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
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| 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!
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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
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| Equifax Credit Report with FICO Score |
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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
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