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Credit Cards For No Credit
If you're looking for credit card and you have no credit or a bad credit history, you are likely going to get a prepaid card or a secured card. There is no credit check and you are guaranteed approval for these offers. With all the trouble in the financial industry and what our media has dubbed the great recession credit cards for people without credit has changed! Many banks merged with other banks, or withdrew their credit card from the market entirely. You can however get approved for a...

The Orchard Bank Credit Card Offer - How The Process Works And The Lowdown
The Orchard Bank credit card is issued by HSBC Bank, a huge international bank. Due to the size and resources of this bank they will provide you with a unique application process, in which you will be able to ensure you get the best offer that you qualify for. Application Process Unlike any card when you apply for this offer your score is checked and then you will be offered all the cards you qualify for. You can be offered an unsecured card and you're guaranteed a secured card. It usually...

Charge Off - How You Can Fight And Fix This
A charge off on your credit report is a very negative item and will significantly lower your overall FICO score. You can however remove this item from your credit history through creditor negotiations and bureau disputes. How Does This Happen? Most commonly this is going to happen with a credit card, it typically occurs after 180 days without payment on your account. Once the 6 months goes by the creditor will report your account as a charge off to the bureaus and it will show up on your...

Prepaid Money Card By Walmart
The prepaid money card issued by Walmart is available as a Visa or MasterCard. There is no credit check and it will work just like a bad credit checking account. You can use free deposit and avoid costly check-cashing fees. This card will be accepted online and over the phone. You can use it to rent a car and buy gas at the pump. It will be covered under a $0 liability policy which will ensure that if your card is ever lost or stolen your money will still be protected. You can deposit money...

How Do Secured Credit Cards Work?
A secured credit card is going to work very similar to a traditional or unsecured offer. You're going to have to pay in APR% interest rate and you'll be responsible for making monthly payments. The big difference between these cards and unsecured is that you must first make a deposit with the issuing bank to get this card. You will decide how big of a deposit, you can choose between $200-$5000. When you make this deposit you are securing your account. Your card will have a credit limit that...

Western Union Prepaid MoneyWise Debit Card
The MoneyWise prepaid card will be issued as a MasterCard or a Visa. This is prepaid card which means you're going to need to first load your card. You will be able to load your card by visiting any number of the 46,000 Western Union locations or you can use free direct deposit. You can do this with a payroll checks, pension checks, unemployment checks, and a benefits check… This saves many cardholders anywhere from a $1 to $5 every time they get paid by not having to pay a fee to cash...

Checking Account With No Credit Check - Where You Can Find These
Do you need a bank account that is not going to check your credit? If you are in this situation then you have likely been listed in chexsystems, this listing is going to prevent you from getting an account for five years. However you do have some alternatives. You have three alternatives to choose from with varying risks. The first is to ask a friend or family member to sign on and be financially responsible for you should you overdraft or bounce any checks. It works very similar to them...

Raise Your Credit Score - The Information Used To Calculate Your Rating And How To Improve It
When you are working to raise your credit score you need to be aware of how it is calculated, What items are factored in, and how much each item will contribute to your overall score. Your payment history will account for approximately 50% of your overall score and this is the one area that you have the most direct control over. There are four other pieces of information that is used and we will outline them below. The most important of these is your available credit to debt ratio. This...

ChexSystems - Do Any Banks Not Check This?
Are you searching for bank that is not going to check if you're listed in ChexSystems? There is a chance you may be able to find a bank however your options have been severely limited due to the recent economic trouble in our country. Many of the smaller banks that may not have been members and check your report have been bought out or merged with larger banks. If you remember just a few short years ago during all the government bank bailouts many smaller and local banks either went under or...

What Is ChexSystems? The Lowdown About ChexSystems and How It Works
ChexSystems is a little known, but widely used account verification service. It is similar to a credit reporting agency, but provides information about how you have previously handled your checking accounts. The second major difference between this service and the other bureaus is that it only reports negative information, whereas the others include both positive and negative. Third, it does not provide any type of rating score, such as FICO. Even though it is not a bureau, it is still...

Secured Credit Card Offers - How To Navigate This Jungle And Find The Best Offer
If you have never had credit, or need to repair your score, a secured card might be a good option. These require a deposit that then becomes the purchase limit for the account. Generally the limit is either the amount of the deposit, or a slight percentage over that. These are easier to get approval for than standard unsecured ones. The collateral backing it means that the bank will be taking less of a risk; thereby increasing your chances for approval. They are a way to build or rebuild your...

Netspend Card - A Prepaid Visa
To get this card you will need to visit the Netspend website and fill out the online form. You will be required to provide your date of birth and one other form of identification, such as a social security or drivers' license number. After you submit the form, you can expect to receive it in approximately 10 business days through the mail. It is ready to use immediately after it is activated and money is loaded. To add funds, you have a few options. You can either sign up for direct deposit...

Bank Freedom Card
The Bank Freedom card is a prepaid Mastercard issued by the Bancorp Bank. You will need to first deposit money on your account before you can use it to make purchases. This offer has been created for individuals with a less than perfect financial past. How To Load Money You can load funds at any Green Dot Money Pak, MoneyGram, and many popular retail locations but the retailer may charge a fee for this service. In addition, you can also have your paycheck direct deposited as well as transfers...

Merrick Bank Credit Card - Have You Gotten a Mailing From Them?
The Merrick Bank Credit Card is an unsecured offer that will give you an initial credit limit of $500. There is easy approval as it is designed for those with a less than perfect credit history. It will be issued as a Visa card through the FDIC insured Merrick Bank. It can be used to make purchases online and on the phone. Your card will also be insured with Visa's zero liability policy which means that if your card is lost or stolen your money is still protected. It will report monthly to...

When to Consider Hiring a Credit Attorney
Credit attorneys are legal professionals who deal specifically with consumer protection laws, like the Fair Debt Collection Practices Act. They are well-versed in the areas governing collectors and can help to build a case against them if you have been treated illegally. Before hiring one, it is wise to ensure that you have a strong case. Most of them will offer you a free initial consultation where they will look at your case and you will hear what services they have to offer. This...

Baby Phat Card - A Popular Prepaid Visa Card
The baby phat card is also called the rush card and is created by Russell Simmons the cofounder of death jam record label. He also created a very popular clothing line and has now put his hand in the financial industry with this prepaid offer. The idea behind this card was to give everyone access to a major visa card. In today's ever increasingly technology driven economy a visa card is almost a necessity for life. If you don't have one and cash is your only method to buy things then you...

Achieve Prepaid MasterCard - How This Card Is Going To Operate
The Achieve Mastercard is a prepaid debit card that will work just like a bad credit checking account. It will give you direct deposit for free and you get free online bill pay, these two features will help you to avoid costly check-cashing fees and buying money orders. This card is created for individuals that are listed in ChexSystems and are un able to get a checking account or those with a damaged credit history. There is no credit check and you will be approved as long as you can comply...

The Nfinanse Prepaid Card by Discover
Prepaid cards have been increasing in popularity as a good option for those who are bank averse or have a hard time qualifying for a standard checking account. One option is the nFinanSe card offered by Discover. It has a retail prices at $3.00. There is no credit check or security deposit. You will not be charged overdraft fees due to the fact that you are only allowed to spend the amount of money in the account, nothing more. Funds can be loaded to your card at over 80,000 participating...

NCO Financial Systems - How You Can Fight Back
NCO financial systems is a very common collection agency. They collect on all sorts of debts ranging from credit cards, auto loans, collection accounts… We know that they collect on the popular Citi Bank credit card. If you're getting phone calls or letters from them you have some options to fight back. First if you don't want them to contact you any more about this debt then you can tell them verbally but we would encourage you to also to do so in writing and send it certified mail....

Mango Money Card - Prepaid MasterCard Review
The prepaid Mango money card is a debit MasterCard. It is issued through Horizon Bank who is a member of the FDIC. It is not only insured by the FDIC but you are also covered under MasterCard's liability policy, this protects your money in case your card is ever lost or stolen. The issuer really emphasizes savings and financial responsibility. They will provide you with a free savings account that earns a 6% annual percentage yield, this is a relatively high interest savings account. This is...

Debit Cards and What The Best One Will Offer You
Debit cards are issued as a Visa or a MasterCard. It is pre-paid which means you are going to first have to load money on your card before it can be used to make purchases. This is a real card and will be accepted over the phone and online. As this is pre-paid and because first you have to put money on your card you will never run the risk of going into debt. You will never be charged a late fee or an overdraft fee. You are guaranteed approval regardless of your credit history or if you have...

Prepaid Reloadable Credit Cards - What Are They?
There is a new type of credit card for bad credit that has emerged onto the market and is increasingly gaining popularity. These cards are known as reloadable, prepaid, debit, bank, money, and cash cards. They are issued as a Visa or MasterCard and can be used all over the world, including online and even over the phone. It will be accepted everywhere you see the Visa or MasterCard logo displayed. There is no credit check or check systems check and your guaranteed approval. Using this card...

How to Fix My Credit Score
A low FICO score causes many problems in every aspect of your life. It will determine if your approved or rejected for a loan, if you are renting or own your home, it can influence your self worth and even determine if you get hired or not by an employer. We have increasingly seen employers run a potential employees' credit before they are hired. What Can I Do? First you need to get a copy of your credit report from each bureau. You will have three in total. Now, you need to figure out what...

The Collection Process
Once a collection agency begins contacting you concerning an unpaid debt, things can become quite confusing very quickly. If you find yourself in this process, it is wise to understand how the system works. Once it reaches this status, it means that the original creditor has turned the account over to a third-party agency. There are two things that can happen when this occurs. The first is that the third-party can work on commission, where they receive a portion of the amount they ultimately...

Bad Credit Visa Card - How This Industry Has Dramatically Changed And What Your Choices Are
The first thing you need to know when searching for a bad credit Visa card is that this marketplace has changed more in the past four years than it has in its earlier 60 years. It started with the mortgage crisis and has only recently began to see some normalcy. Another huge blow to this industry was the new credit legislation that Congress passed. Unfortunately these new laws have eliminated all unsecured offers for a bad credit rating. If you want an unsecured or traditional card in which...

Erase Bad Credit - How You Can Do This
When you erase negative items on your credit report you are taking the most effective step at improving your score. This is because these marks are damaging your score and what is bringing it down. As long as they remain you will have a difficult time being approved for new accounts. What Do I Do? First, you need to get your reports. You are entitled to one copy from each bureau for free by the Fair Credit Reporting Act (FCRA). This law is also what gives you the right to remove negative...

The Three Types of Bad Credit Credit Cards
Bad credit credit cards come under several different guises and are issued by a huge number of banks and credit providers. Here we look at the three main types of these cards, and explain how they differ from each other and how they can benefit you. In today's financial climate getting approved for a credit card can be tricky even if you have an average credit score, let alone bad credit. On the flip side, these people can still benefit from the everyday uses of a credit card. There is a gap...

Improving Your Credit Rating - The Steps You Must Take
Your credit score or fico score is an incredibly important and life influencing number. It literally determines the quality of life you can afford almost regardless of income. First, let's look at how your rating gets calculated. The first piece of information and most important is your payment history, it is estimated this is about 40% of your score. This will look at the items on your credit report it will weigh the positive items and the negative items. These include; charge offs,...

Pre Pay Credit Cards - How Do They Work?
A pre pay credit card is actually a debit card. It will require you to first load money on your account before you can use the card for purchases. These are also commonly referred to as reloadable cards. You can purchase them at many popular retail locations. These cards were designed for two reasons: 1. New credit laws - because Congress passed new lending laws were they set maximum interest rates and fees many credit cards that were designed for people with bad credit were removed from the...

How to Remove a Charge-Off From Your Credit Report
Charge-offs have an extremely detrimental effect on your credit report. They are reflected there for 7 years and are viewed negatively by future lenders. Therefore, it is of the utmost importance to deal with them as quickly and efficiently as possible. This item is essentially a lender recognizing that attempts to collect on a debt have been unsuccessful and thereby recording it as a loss. Companies do this for tax purposes; however, this does not mean that you are no longer obligated to...

How Do I Repair My Credit? Facts You Need To Know
Do you have negative items on your reports? These marks are significantly damaging your FICO score and include: charge offs, collections, repossessions, late payments … How Do I Erase These? First, you must get a copy of your report from each bureau. You must do this because then you can see what items you will need to dispute. You may be surprised often reports will vary from each bureau. The most effective way to prevent yourself from removing negative items is to file a...

Wal-Mart Money Card - Revealed How It Really Works
The Wal-Mart Money Card is a prepaid Visa that is issued and operated by GE Money Bank. In order to use it you must first deposit money, which can be done in a number of ways. A primary method is by visiting your local Wal-Mart store, and handing your cash to the cashier, who will load the desired amount on. Any amount between $20 and $1,100 can be added, and will be credited instantly. A $3 fee applies when doing this. You can also cash a check with the cashier, loading all or part of the...

How to Fix My Credit - What Should I Do?
If you've recently been denied a loan application, you are well aware that you need to fix your credit. The first step is to request your reports. You can request a copy from each of the three major agencies once per year for free. These will not give you a FICO score, but will provide information about what is on your file. Once you receive these you want to look it through and make sure the information is correct. If there is anything that is not accurate, you have the right to submit a...

Credit Cleaning Services - What Are They Going To Do?
Credit cleaning services will work to remove the negative items on your credit reports. These items include: charge offs, collections, late payments, bankruptcy, repossession, student loans … Typically they will have attorneys on staff but you should expect a paralegal to do most of the work. They are going to use the dispute process to challenge the validity of the negative items on your report. Congress passed the Fair Credit Reporting Act in 1970 and this gives you the right to...

Debit Credit Cards and Other Types of Credit Cards Explained
Debit credit cards are just one type of financial product in a crowded marketplace. With some many types of plastic available it can become extremely confusing for the customer as to which card does what, so in this article we provide an introduction to the different options available. Debit Cards This type is probably the easiest to understand, as it is simply a card that is linked to a customer's regular bank account. The card works in much the same way as a check book, with the customer...

Secured Credit Cards: Five Key Questions And Answers
Secured credit cards are becoming popular tools that can help an individual with a low credit score to get their finances back on track. Here we answer the five key questions relating to these types of cards. What Are Secured Credit Cards? Secured credit cards are essentially regular credit cards, but with one key exception: The cardholder is required to make an upfront deposit of their own money (usually $250-$500), before they can start spending on it. This deposit acts as a bond and...

Prepaid Debit Cards - The Ins and Outs of How They Work
For those leery of banks, specifically their finance charges and minimum balances, prepaid debit cards are a viable option to survive in a plastic-driven world. These function similar to a checking account in that money is deposited onto your account and when it is used, funds are deducted. The difference is that they will never impose overdraft fees or finance charges. It is virtually impossible to reserve a seat on an airline or a room in a hotel, or even purchase goods online, without a...

Are Chexsystem Checking Accounts A Good Banking Option?
Chexsystem Checking Accounts are advertised all over the internet, and are promoted as a financial solution for individuals who are stuck in ChexSystems and unable to open a regular bank account. In this article we take a look at these products, and advise whether they are a viable solution for people in this predicament. What Is ChexSystems? ChexSystems is a consumer reporting agency that works for debit accounts in much the same way that companies such as Experian and Equifax work for...

The Lexington Law Firm Review
The Lexington Law Firm is a credit repair service. They will file a dispute with the bureaus and try to remove negative marks from your report. Removing negative items will improve your payment history. If you pay your current bills on time and remove old negative items then your payment history will improve and so will your FICO score. Your payment history is taken into account for almost 40% of your overall score calculation. How Do They Work? 1. You Need Your Reports - you will need to...

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