Credit Tools and Resources
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ID Club Credit Monitoring
CRI Preferred Credit Monitoring
ID Club is Our Recommended Source For Credit Reports. You will get all Three Credit Reports and all Three Credit Scores for $1.00. You Will Get New Reports and Scores Every 30 Days. Enrolling in this service will help us to move your case along faster.
Free Annual Credit Reports
This is the site mandated by the Federal Government to require Equifax, Experian, and Transunion to provide truly free credit reports annually.
Self Lender - Credit Builder Account
- Reports to all three credit bureaus. No hard credit pull and no credit history required
- Self Lender helps you get a small loan that you save in a CD for 12 or 24 months
- Savings plans start at $25/month and include credit monitoring
- At the end of the account term, you've built a credit history, and your CD savings unlock
CREDIT NEEDED
Fair Credit
Bad Credit
No Credit
The First Progress Platinum Elite MasterCard® Secured Credit Card
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Build Credit Faster with six reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)
- With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
- Apply in just a few moments with no negative impact on your credit score; no credit inquiry will be recorded in your credit bureau file!
- 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
- APR for purchases = 19.99%
- Annual Fee = $29
CREDIT NEEDED
Fair Credit
Bad Credit
Capital Bank - OpenSky® Secured Visa ® Credit Card
- APR for Purchases: 17.39% (variable)
- No credit check necessary to apply. OpenSky® believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky® reports to all three major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as six months.
- OpenSky® provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Intro APR: see terms
Intro Period: see terms
Regular APR: see terms
Annual Fee: $35
Balance Transfer: N/A
Credit Needed: Bad Credit
CREDIT NEEDED
Bad Credit
No Credit
Merrick Bank Secured Visa®
- 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 nine months, we review your account for a credit line increase. No additional deposit is 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 100% U.S.-based customer service & 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, seven days a week. Get help staying on track with AutoPay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
- Wisconsin Residents: This offer is NOT valid for residents of Wisconsin
Intro APR: n/a
Intro Period: n/a
Regular APR: 17.45% Variable
Annual Fee: $36 the first year, billed $3 per month thereafter
Balance Transfer: n/a
Credit Needed: Fair Credit
CREDIT NEEDED
Fair Credit
Bad Credit
NAV Business And Personal Credit Scores
Be loan ready, so you get approved! Personal and business credit scores are the main reason business financing gets denied.
Standard Plan - FREE
- Full business credit reports & scores: Dun & Bradstreet® - Experian® - Equifax® (Summary Only)
- Full personal credit reports & scores: Experian® - TransUnion® (Experian Summary Only)
- 24/7 business & personal credit alerts
- MatchFactor-powered financing marketplace
- Cash flow alerts & Insights
- 1-on-1 Access to Credit & Lending Specialists
Business Manager - $29.99/month
- Full business credit reports & scores: Dun & Bradstreet® - Experian® - Equifax®
- Full 24/7 business & personal credit alerts, personal credit reports & scores: Experian® - TransUnion®
- 24/7 business & personal credit alerts
- MatchFactor-powered financing marketplace
- Cash flow alerts & Insights
- 1-on-1Access to Credit & Lending Specialists
- Dispute errors on business credit reports
- Full-Service Identity Restoration with dedicated identity specialists
- $1M identity Theft Protection
- Follow up-to five businesses' credit reports
- Quarterly billing option
- New! Lost Wallet Replacement
Business Manager - $39.99/month
- Full business credit reports & scores: Dun & Bradstreet® - Experian® - Equifax®
- Full personal credit reports & scores: Experian® - TransUnion®
- 24/7 business & personal credit alerts
- MatchFactor-powered financing marketplace
- Cash flow alerts & Insights
- 1-on-1Access to Credit & Lending Specialists
- Dispute errors on business credit reports
- Full-Service Identity Restoration with dedicated identity specialists
- $1M identity Theft Protection
- Follow up-to five businesses' credit reports
- Quarterly billing option
- New! Lost Wallet Replacement
- New! Build business credit with tradeline reporting
CREDIT NEEDED
N/A
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
First Progress Platinum Select MasterCard® Secured Credit Card
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Build Credit Faster with six reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)
- With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
- Apply in just a few moments with no negative impact on your credit score; no credit inquiry will be recorded in your credit bureau file!
- 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
- APR for purchases = 13.99%
- Annual Fee = $39
CREDIT NEEDED
Fair Credit
Bad Credit
First Progress Platinum Prestige MasterCard® Secured Credit Card
- Monthly reporting to all 3 Major Credit Bureaus to Establish Credit History
- Build Credit Faster with six reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)
- With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
- Apply in just a few moments with no negative impact on your credit score; no credit inquiry will be recorded in your credit bureau file!
- 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
- APR for purchases: 9.99%
- Annual Fee = $49
CREDIT NEEDED
Fair Credit
Bad Credit
Self Lender - Credit Builder Account
- Reports to all three credit bureaus. No hard credit pull and no credit history required
- Self Lender helps you get a small loan that you save in a CD for 12 or 24 months
- Savings plans start at $25/month and include credit monitoring
- At the end of the account term, you've built a credit history, and your CD savings unlock
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 of 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
Dun & Bradstreet
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Get Your Business Credit Report!
Nav is Incredible. I have not found a better source that offers business credit reports all in one place. You will also get a completely FREE Experian Personal and Experian Business Credit Report!
Our Commitment
Credit Restoration Institute will create a personalized action plan and follow through to the completion of the plan. We want to see you reach your financial goals!