RESOURCES FOR INDIVIDUALS WITH BAD CREDIT

Building your credit takes time but knowing the right and best resources is a big help. The following credi builder programs that may be able to help build, rebuild, or re-establish your credit if you make on time 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

Centennial® Gold MasterCard®/Visa® - Apply for a GOLD MasterCard

Centennial (R) Gold MasterCard(R)/Visa(R)

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  • Reports monthly to 4 Major Credit Bureaus
  • Low APR on purchases!
  • Get the convenience of a GOLD MasterCard® Card

Read our Review of the Centennial® Gold MasterCard®/Visa®

Pledge® MasterCard®/Visa®

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 Offering credit to those with less than perfect credit, its our Pledge. Apply now for the new Pledge® MasterCard®/Visa® from First PREMIER® Bank.
  • Monthly reporting to the 4 major credit bureaus.
  • Low APR on purchases!
  • Get the convenience of a MasterCard or Visa card
  • Application response within 60 seconds
  • Even if your credit is less than perfect.

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!

 

First PREMIER® Bank MasterCard®

First PREMIER Bank MasterCard®

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Less than Perfect Credit? Then we have the card for you! Accepted where you see the MasterCard or Visa logo. Enjoy a Low APR on purchases. Apply now – don’t wait!
  • Monthly reporting to 4 major credit bureaus.
  • Low APR on purchases.
  • Quality Customer Service.

Click here for our Review of the First PREMIER® Bank MasterCard®


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


Eufora™ Elite Credit Builder Prepaid MasterCard®

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Eufora Elite Credit Builder Prepaid MasterCard® is the only prepaid MasterCard® with Credit Builder that helps you build or re-build your credit with both TransUnion and Experian.

  • BUILDS CREDIT! Reports to Credit Bureaus
  • 100% Guaranteed Approval* with No Credit Check - Perfect for Bad Credit or No Credit
  • FREE Direct Deposit
  • FREE Point of Sale Transactions
  • FREE 24/7 Online Access
  • FREE Live Customer Support
  • Reload at Thousands of Retail Locations Nationwide with a $5000 Maximum Value
  • Safer than Cash
  • Cash Reward Program
  • ZERO UP FRONT ($99.95 Advanced Deposit WAIVED)

* See Card Terms and Conditions