Are you in Credit Prison?

How does honest, legal, moral and ethical credit repair work?

Protect Your Credit!

How do I protect myself from Identity Theft?

Software Sneak Peak

Check out the state of the art and secure technology we use to raise credit scores.

What's a Credit Report?

Learn what is, and what is not, included in a credit report.

How To Choose Your Secured Credit Card?

When choosing a secured credit card its very important to make sure the bank reports your card to the major credit bureaus. Not all secured credit cards do this. The secured credit cards offered on this page do. You should also make sure that your new secured credit card offers periodic credit increases. Often times these are unsecured credit increases.

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TIPS & ADVICE: How to Establish or Rebuild Credit with a Secured Credit Card

-Choose a secured credit card that reports to the three major credit bureaus (Experian, Equifax, TransUnion).
-Credit line is usually based on the amount of the security deposit so if you need a higher limit, be prepared to submit a higher deposit.
-Keep your charges minimal, making sure that you do not use up more than 30% of your credit limit.
-Pay off your purchase balance in full on time to avoid interest rate and boost your credit score more quickly.
-Monitor your credit report. Check your credit report after six months of using your secured card and see if you can qualify for a regular credit card.
-Check if the issuer of your secured credit card offers automatic upgrade to an unsecured account after 12 months of consistent payment.
-You may be able to rebuild your credit if you do the following: make on-time monthly payments and keep your balances under the limits with all your creditors.