Revolving Credit makes up 30% of your credit score (amounts owed), and payment history makes up 35% of your credit score.  This totals 65% of your credit score.  Building positive credit is very important when looking to increase credit scores.


We recommend any of the credit card vendors listed below.  

The first two do not require any upfront fees.


We also recommend that one should have at a minimum 3 open, revolivng lines of credit, per client.

$2500 Unsecured line of credit, EASY APPROVALS, NO UPFRONT FEES...

$1,500 UNSECURED LINE OF CREDIT, NO UPFRONT FEES, NO ONE DENIED...

Build Credit Today!

The First Progress Platinum Elite MasterCard® Secured Credit Card


  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • Merchandise APR = 19.99%
  • Annual Fee = $29

Capital Bank - OpenSky® Secured Visa ® Credit Card

 

  • Build Your Credit fast  with our monthly reporting to all 3 major credit bureaus
  • Choose your credit line  as low as $200 up to $3000,  secured by a fully-refundable* security deposit
  • Security deposit needs to be submitted before the credit card can be issued
  • No credit check necessary and no checking account required; apply in less than 5 minutes
  • Extra credit when you need it,  increase your credit line up to $5000*  in your first year
  • Access to online financial education
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page

First Progress Platinum Select MasterCard® Secured Credit Card

 

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • Merchandise APR = 13.99%
  • Annual Fee = $39

First Progress Platinum Prestige MasterCard® Secured Credit Card


  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • Merchandise APR =  9.99%
  • Annual Fee = $49

Primor® Secured Visa® Classic Card



  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use.  Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional primor® Secured Visa® Classic Card details.

Primor® Secured Mastercard® Gold Card


  • Credit Lines available from $200 to $5,000!  Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No Minimum credit score requirements!  We invite all credit types to apply!  No processing or application fees!
  • Helps strengthen your credit with responsible card use.  Reports to three national bureaus
  • Fast, easy application process.  Choose your credit line and open your Personal Savings Deposit Account to secure your line
  • See additional primor® Secured Mastercard® Classic Card Details

primor® Secured Visa® Gold Card

 


  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use.  Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional primor® Secured Visa® Gold Card details

First Access Card

 


  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application; Checking account required
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member:  FDIC

NAV Business And Personal Credit Scores

Be loan ready, so you get approved! Personal and business credit scores are the main reason business financing gets denied.

  • Standard Plan - FREE
    • This plan is for when you need just a summary of your credit information
    • Personal Credit Summary
    • Business Credit Summary
    • 24-7 Monitoring and Alerts
    • Credit and Lending Specialists
  • Essential Plan - $14.99 per month
    • This plan to get all of your personal credit details, tips, and ID theft protection and recovery services.
    • Personal Credit Summary
    • Business Credit Summary
    • 24-7 Monitoring and Alerts
    • Credit and Lending Specialists
    • Full Personal Credit Report
    • Credit Error Dispute Assistance
    • $1M Identity Theft Protection
  • Premium - $29.99 per month
    • The best plan to make sure things are easy when you need financing
    • Personal Credit Summary
    • Business Credit Summary
    • 24-7 Monitoring and Alerts
    • Credit and Lending Specialists
    • Full Personal Credit Report
    • Full Business Credit Report
    • Reports on Multiple Businesses
    • Credit Error Dispute Assistance
    • $1M Identity Theft Protection
  • Premium Plus - See terms

Applied Bank® Visa® Business Card


  • Turn Your Hobby or Interest into a Business
  • Less Than Perfect Credit? No Problem! Easy Approval!
  • Perfect for Sole Proprietors & Entrepreneurs
  • Reports Monthly to Major Credit Bureaus
  • Initial credit limit of $500*
  • No Annual Fee
  • Credit Needed:  Bad Credit, Fair Credit
  • See all terms/conditions/fees on application page.

Rental Kharma

 


  • Start Building Credit With Your Rent
  • Add your last 24 months of rent payments to your credit report
  • Build credit without debt
  • Money back guarantee
  • Easy 3 minute signup

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