RESOURCES FOR INDIVIDUALS WITH BAD CREDIT 

Building your credit takes time but knowing the right and best resources is a big help. The following credit builder programs that may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.

Next Millennium Black MasterCard®

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  • No credit check*
  • Approved regardless of credit history
  • Secured credit limit of up to $5000.00
  • Get cash at over 740,000 ATMs
  • Accepted wherever MasterCard® is accepted

 

Horizon Gold Credit Card

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Want a $500.00 credit card? Take control of your credit future. Guaranteed Instant Approval. No Application Fees. Bad credit accepted. Reports to a major credit bureau.

  • Guaranteed Approval!
  • Bad Credit Accepted!
  • No Employment Check!
  • Reports to a Major Bureau!

 

 

UltraVX Visa®

UltraVX Visa®

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  • Credit-On Demand™: up to $25,000 credit line—Patent Pending
  • Instant Approval: no credit check, no minimum income or bank account required
  • Credit Reporting: reports to major credit bureaus
  • Clear Rewards™: American Airlines, Southwest, jetBlue, Marriot, and more…no restrictions!
  • Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide
*Patent Pending

 

FreeCreditReport.com from Experian

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  • Check Your Report
  • Guard Your Identity
  • Know Your Score

 

Equifax Credit Report with FICO Score

Get Equifax Score Power
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  • Instant online access to your FICO® credit score and  Equifax Credit Report™  
  • An explanation of what your score means, comparison with national averages, and a graph of how lenders view you
  • Interactive Score Simulator to show you how your actions may change your score
  • Specific tips for understanding your score
  • A confirmation number needed to use Equifax's free online dispute feature and fix errors quickly and simply
  • Access to our friendly and knowledgeable Customer Care 7 days a week