Hello we are reaching out to our customers, who want to purchase this directly. Or you can purchase this tradeline from here or our website. Wishing you the best success. Please make sure you meet all the requirements.
You can use this link to purchase access directly, or check our website if it is back up.
$59.00 one time application fee
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REVOLVING UNSECURED MERCHANT CARD |
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Overview |
This is an unsecured card for people with challenged credit scores, financed by an FDIC bank, and with your payment history being reported monthly to the BIG 3 bureaus You must have a positive open Revolving account for great credit scores Limit 1 card per person Cards are only individual, not joint accounts |
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Processing Fee |
$125-only charged if approved |
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Up-front Deposit |
None – this is an unsecured card and your credit limit is determined by your credit score and debt-to-income ratio |
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Annual Fee |
$100 per year- billed @ $25/month for first 4 months. |
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Credit Limit |
Ranges between $1,100 and $6,500 depending on your qualifications |
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Reporting |
Reports to all 3 bureaus (Equifax, Experian, TransUnion) within 2 weeks |
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Interest Rate |
21% APR on purchases only (not fees) |
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Qualifications |
Credit pull – Minimum Equifax score of 500 FICO Debt-to-income ratio Must have a valid Social Security Number and pass FRAUD CONTROLS (#1 reason for decline). Fraud Alerts/Freeze acceptable as long as contact number has been added. Call Equifax Live Customer Support at 800-846-5279 to add contact number and please allow 48 hours for them to make the changes before applying. |
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Process |
Follow application instructions above. You will be notified immediately whether you’re approved. If declined you will be offered a Secured Credit Card instead.
Make a small purchase at to activate your card & credit reporting. (One purchase financed of any product of any amount (no min). Products are as low as $5.)
Account will report to your credit as “Help Card/HCcredit” within approx. 1 week of purchase
Will need to pay $25/mo for 4 months to pay off the annual fee
You are not required to use the card after that for it to report. It would be a good idea to make some small purchases during the year to keep it active, however. |
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