Get a Copy of Your Credit Report
IdentityIQ selected suite of identity and credit-related services integrate the power of the most advanced business information resources to inform, protect, alert, and assist in the event of identity theft or credit reporting problems.
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World Class features:
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Experian, Equifax and TransUnion™ Reports & Scores Refreshed Every 30 Days
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3 Bureau Daily Monitoring & Alerts
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Dark Web Monitoring
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$1,000,000 Identity Theft Insurance*
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Application Monitoring
Checking your credit will NOT hurt your score!
Here are the best credit cards for building personal credit
based on your credit score and goals.
Personal Credit for Scores: 670 - 739
Recommended for scores 300 to 579
Discover it® Secured Credit Card
on Discover secure website
Self Secured Visa Credit Card is a unique financial tool designed to help individuals build or rebuild their credit. Unlike traditional secured credit cards, it integrates with a Credit Builder Account, allowing users to establish credit without an initial credit check.
Pros
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Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
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No Annual Fee:- Helps keep costs low while building credit.
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Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
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No Foreign Transaction Fees: Good for international use.
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Recommended for scores 300 to 579
Platinum Secured Credit Card
from Capital One
on Capital One secure website
Self Secured Visa Credit Card is a unique financial tool designed to help individuals build or rebuild their credit. Unlike traditional secured credit cards, it integrates with a Credit Builder Account, allowing users to establish credit without an initial credit check.
Pros
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Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
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No Annual Fee:- Helps keep costs low while building credit.
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Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
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No Foreign Transaction Fees: Good for international use.
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Recommended for scores 300 to 579
on Self Inc's secure website
Self Secured Visa Credit Card is a unique financial tool designed to help individuals build or rebuild their credit. Unlike traditional secured credit cards, it integrates with a Credit Builder Account, allowing users to establish credit without an initial credit check.
Pros
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Accessible Approval: No credit check required, making it suitable for those starting or rebuilding credit.
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Structured Savings: The integrated Credit Builder Account encourages disciplined savings habits.
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Path to Unsecured Credit: Demonstrating responsible use may lead to opportunities for unsecured credit products in the future.
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Mandatory Credit Builder Account: Enrollment in the Credit Builder Account is a prerequisite, which involves its own fees and interest.
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Annual Fee After First Year: While the first year is fee-free, a $25 annual fee applies subsequently.
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High APR: Carrying a balance can result in significant interest charges; paying in full monthly is recommended.
Cons
on OpenSky secure website
Recommended for scores 300 to 579
Pros
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Accessible Approval: No credit check is required, making it suitable for those starting or rebuilding credit.
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Low Minimum Deposit: The $100 minimum deposit is lower than many other secured cards, making it more accessible.
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Credit Building Potential: Regular reporting to major credit bureaus can help improve your credit score with responsible use.
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Monthly Fee: While there's no annual fee, the monthly fees accumulate over time.
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Limited Credit Limit: The maximum credit limit is $1,000, which may be restrictive for some users.
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High APR: Carrying a balance can result in significant interest charges; it's advisable to pay off balances monthly to avoid interest.
Cons
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Best Strategy: Get a secured card, use it responsibly, and graduate to an unsecured card in 6-12 months.