Primary Tradelines
While in the process of repairing your credit, we recommend that you apply for 2-3 of the following primary tradelines. These will help to build your credit as the negative items are being removed.
OpenSky® Secured Visa ® Credit Card
- No credit check to apply. Zero credit risk to apply!
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit
- Annual Fee: $35
- APR 22.39% (V)
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 22.39% variable | $35 | N/A | -- |
CREDIT NEEDED
Bad Credit
No Credit
The First Progress Platinum Elite MasterCard® Secured Credit Card
- Test No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No Credit Inquiry Required!
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Receive Your Card More Quickly with New Expedited Processing Option
- Available Nationwide
- APR for purchases = 25.24%
- Annual Fee = $29
- *See all terms and conditions.
Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank
CREDIT NEEDED
Fair Credit
Bad Credit
OpenSky® Plus Secured Visa® Credit Card
- No annual fee
- Secure your credit line with a refundable security deposit - as low as $300.
- APR 29.74% (V)
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Get considered for an unsecured credit line increase after 6 months - no additional deposit
- Monitor your credit progress with free access to your FICO Credit Score.
- Reports to all 3 major credit bureaus monthly to establish and build credit history.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 22.74% (V) | None | N/A | -- |
CREDIT NEEDED
Fair Credit
Good Credit
Bad Credit
No Credit
Surge Mastercard® Unsecured Card
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Fast and easy application process; results in seconds
- See if you’re Pre-Qualified without impacting your credit score
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Mastercard Zero Liability Protection (subject to Mastercard Guidelines)
- *See all terms in conditions on website.
This offer is NOT available in the following states: MA, CO, WV, IL
Some Requirements (Not limited to)
- You need to have an existing checking account
- note: Having the above does not auto approve you. The bank will still look at other factors when making a decision.
Is there a credit check when I apply?
The pre-qual process is a soft pull (page 1 when consumer submits an app).If the pre-qual offer is accepted and the applicant submits a full application (page 2), that is a hard pull.How long does it take to make a decision about my application?
In most cases, we will provide an instant decision. However, in some cases we need to collect additional information to make a decision on your Surge credit card application which could take up to 30 days.About Continental Finance:Continental Finance, one of America's leading marketers and servicers of credit cards for consumers with less-than perfect credit, is proudly rated A+ by the Better Business Bureau.Continental Finance Company is proud of our customer feedback. With more than 2.6 million credit cards managed since our founding, CFC prides itself on putting the customer first. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. If you have less than perfect credit, a CFC brand card can help you re-establish your credit history!Who is Celtic Bank?Founded in 2001, Celtic Bank is a leading nationwide small business lender and residential construction lender. Headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank is an SBA Preferred Lender and was named the 8th largest SBA lender in the nation for FY 2014.
CREDIT NEEDED
Fair Credit
Bad Credit
First Progress Platinum Select MasterCard® Secured Credit Card
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No Credit Inquiry Required!
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Receive Your Card More Quickly with New Expedited Processing Option
- Available Nationwide
- APR for purchases = 19.24%
- Annual Fee = $39
- *See all terms and conditions
Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank
CREDIT NEEDED
Fair Credit
Bad Credit
Upstart Personal Loans
Fair & fast personal loans - $1,000 - $50,000§ | 3 & 5 year terms‡
- A personal loan for your personal needs: moving, home improvement, medical, credit card and debt consolidation, wedding loans
- Check your rate in 5 minutes
- Won't affect your credit score!††
- Next day funding- 99% of applicants get money just 1 business day after accepting their loans**
- 1 monthly payment- Simplify with 1 single monthly payment at a fixed rate
- No prepayment penalty - You may pay off part or all of the loan at any time with no fee
†† When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.
§ Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state.
‡ The full range of available rates varies by state. The average 5-year loan offered across all lenders using the Upstart platform will have an APR of 26.48% and 60 monthly payments of $26.73 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $16,038 including a $752 origination fee. APR is calculated based on 5-year rates offered in December 2022. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
** If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
CREDIT NEEDED
Good Credit
Upgrade - Premier Savings
- Earn 5.07% APY, on $1,000 or more
- No monthly account fees
- FDIC- Insured through Cross River Bank
Disclaimers:
The Annual Percentage Yield (“APY”) for the Premier Savings account is variable and may change at any
time. There is no minimum balance to open your account, but you will only earn the APY on days when
the closing balance of your Premiere Savings account is or exceeds $1000. On days where the account
closing balance drops below $1000, the APY will be 0%.
There are no monthly account fees associated with Premier Savings accounts.
Upgrade is a financial technology company, not a bank. Premier Savings accounts are provided by Cross
River Bank, Member FDIC.
- Earn 5.07% APY, on $1,000 or more
- No monthly account fees
- FDIC- Insured through Cross River Bank
Disclaimers:
The Annual Percentage Yield (“APY”) for the Premier Savings account is variable and may change at any
time. There is no minimum balance to open your account, but you will only earn the APY on days when
the closing balance of your Premiere Savings account is or exceeds $1000. On days where the account
closing balance drops below $1000, the APY will be 0%.
There are no monthly account fees associated with Premier Savings accounts.
Upgrade is a financial technology company, not a bank. Premier Savings accounts are provided by Cross
River Bank, Member FDIC.
CREDIT NEEDED
N/A
Merrick Bank Secured Credit Card
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
- Wisconsin Residents: This offer is NOT valid for residents of Wisconsin
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 22.70% Variable | $36 the first year, billed $3 per month thereafter | N/A | -- |
CREDIT NEEDED
Fair Credit
Bad Credit
Credit Strong - Instal & Revolv
Multiple Ways to Build Credit.
A CreditStrong account is the fusion of a secured consumer installment loan and a savings account. During the life of your CreditStrong account you build both credit history and savings.
- Instantly build revolving credit with no minimum monthly payment required with CreditStrong Revolv
- Build installment credit and savings with low fixed monthly payments with CreditStrong Instal
- Build supersized installment credit with supersized plans with CS MAX
CREDIT NEEDED
Fair Credit
Bad Credit
No Credit
First Progress Platinum Prestige MasterCard® Secured Credit Card
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No Credit Inquiry Required!
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Receive Your Card More Quickly with New Expedited Processing Option
- Availalbe Nationwide
- APR for purchases: 15.24%
- Annual Fee = $49
- *See all terms and conditions
Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank
CREDIT NEEDED
Fair Credit
Bad Credit
Auto Financing and Refinancing
- Auto Financing and Refinancing – Average Customer saves up to $2000 or more…
- 1 Application with up to 4 loan offers in minutes
- Apply online, 24/7 in the convenience of your home or office
- Lowest interest rates available – average customer saves $2000 in interest charges
- Get approved and have financing in place before going to a dealer
- Refinance and lower your current interest rate and payments or even skip a payment
- Also offering Private Party and Lease Buyout loans
- Fast & free - No fees or obligations
- Private, secure and confidential
Your premier online auto finance and refinance marketplace. Apply now and receive up to 4 loan offers in minutes! Fast, easy and free…
CREDIT NEEDED
Fair Credit
Good Credit
Excellent Credit
Bad Credit
Self Financial - Credit Builder Account
- A new way to build credit. Build credit while you save (minus fees and interest)
- Self Financial helps you get a small loan that you save in a CD for 24 months
- All payments are reported to the three major credit bureaus as an installment loan which helps consumers build credit.
- Savings plans start at $25/month and include credit monitoring
- At the end of account term, you've built credit history and your CD savings unlock. (minus interest and fees)
Sample loans: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.inc/pricing
Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A. each Member FDIC. Subject to credit approval.
Date: 9-28-23
CREDIT NEEDED
Fair Credit
Bad Credit
No Credit
First Access Card (Unsecured 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
- $300 Credit Line (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 The Bank of Missouri, Member: FDIC
- This program is not currently available in New York or Wisconsin.
- 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
- $300 Credit Line (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 The Bank of Missouri, Member: FDIC
- This program is not currently available in New York or Wisconsin.
CREDIT NEEDED
Bad Credit
Assent Platinum MasterCard® Secured Credit Card
- APR for purchases: 0% Introductory APR for the first six months your account is open, afterward regular APR.
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Quick and Complete Online Application; No Credit Inquiry Required!
- 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 * See Card Terms.
- Annual fee of $49
CREDIT NEEDED
Bad Credit
No Credit
Rental Reporters
- Your rent payments can improve your credit score. Get what you deserve
- We report your payments to TransUnion AND Equifax
- A new tradeline appears on your credit report
- Look for your score to change within 10 days
Who Would Want To Participate In Our Rental Reporting Program?
- Rebuilding Your Credit? We can help you rebuild your credit in a matter of days by reporting your last two years’ of on-time rent payments to TransUnion. The addition of this significant payment history will have a dramatic impact on your credit and allow you to move towards credit independence.
- Want To Establish Credit? We add a new trade line to your credit report that reflects your on-time rental payment history. We add not just your on-time payments but we add the length of your rental payment history. How many years have you been renting a house or apartment? That length of credit history is not part of your credit report.
- Buying A Home? We add a new trade line to your credit report that reflects your on-time rental payment history. We add not just your on-time payments but we add the length of your rental payment history. How many years have you been renting a house or apartment? That length of credit history is not part of your credit report. Your rent payment history both “thickens” your credit file with positive data that is taken into account and demonstrates your ability to repay your largest monthly obligation……. your rent.
There are 4 simple steps to the rent reporting process
- Verification of your identity and rent payments: On your application, we need basic information such as your social security number, date of birth, address, and your landlord’s contact information. Your social security number ensures that your rent history is clearly matched with your credit profile.
- Verification of your rent payments with your landlord: We work directly with your landlord to verify their identity and confirm your on-time rent payments both over the last 24 months, and in the months to come. For a fee of $50 each, we can also verify and report rent payments made to multiple landlords within the past 2 years.
- Rent reporting to credit bureaus: Equifax and Transunion.
- Tradeline creation on your credit report: A new tradeline is created on your credit report within 5-7 business days. You receive a notification when this is completed. As you continue to pay your rent each month, more information is added to this tradeline. This is why it is important to keep your subscription paid and current every month.
What Does This Program Cost?
The one-time enrollment fee of $94.95 pays for landlord verification and reporting up to 2 years of rental payment history to the credit bureaus. The monthly subscription fee of $9.95 enables us to automatically verify and report your ongoing rent payments. As with any credit report tradeline, the more months of data, the greater the impact can be on your score.
CREDIT NEEDED
Bad Credit
No Credit
ROCK The Score Rental Reporting
- Do you rent a home or apartment?
- Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
- Report the past two years of rent payments for a possible boost to your credit score!
- Pricing: $6.95 Monthly (Keeps Trade Line Open) - $48 One time set up fee - Optional: $65 Historic Reporting
- Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It's quick and easy!
- We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.
CREDIT NEEDED
No Credit