Is it better to seize a secured credit until that time or after you verbs up your credit?

Answers: It depends on your goals. If you stipulation a loan for a vehicle or something like that, you could possibly return with a loan before cleaning up your credit (if you can find a liable lender, that is), but your interest rate and payments are going to be higher than if you wait. So if you can wait, it is probably a better model to get hindered on any late payments, money off anything contained by collections, and get your credit card balance down (less than 50% of your available credit limit is a angelic rule of thumb) before trying to carry a secured loan. That will show any potential creditors that you are serious about cleaning up your credit and you will also return with a better interest rate.

A secured credit card is designed to help you reestablish your credit, usually after collapse.

I would suggest you clean up doesn`t matter what problems you have immediately and try to live without credit cards for the rest of your energy. About half of the US population already manage without them.

You can start on a secured cc while you are trying to clean up your credit. Each side is independent upon the other. So, you can build good credit on one rationalization while allowing the bad credit to slowly roll past its sell-by date your record.