Pre-paid Credit Repair builds credit

Spread the love

If you are having difficulty with your credit score and rating, or having a hard time getting a credit card you might want to consider a pre-paid card. Nowadays it is virtually impossible to purchase anything without a credit card. Lenders today are offering Pre-Paid Visa and Master Cards, which work like credit cards. The procedure works like put money into an account and then you are able to use the cards like a regular credit card. No one will know the difference. Prepaid credit cards can be purchased at many stores or online. The downside is you have to pay a small fee when you open an account. You want to be careful with which card you choose since some are expensive. After the account is open, you have to pay a small fee every time you make another deposit on your account. The upside about prepaid cards is that it can help repair your credit. Another advantage is, if your credit is bad then the prepaid may be the only the solution for repairing credit. The best solution is to continue paying your bills and avoid spending money on items you do not really need. Most people spend a fortune during the course of a decade on various items all to sell them later in a garage sale, or else toss them in the garbage when they realize they did not need it in the first place. It pays to consider all aspects of any decision made to avoid complications. Bad credit is an obstacle and in order to defeat the obstacle you have to take steps to resolve the issues. 

Credit Reports

Don’t let bad credit ruin your life. We all have difficulties and sometimes we can’t avoid obstacles that get in our way. It is important that you know your credit report status first before taking steps to repair your credit. Building credit is important, but if you do not know the basics, it is almost impossible to get out of debt. Sure, you get bills in the mail everyday that tell you what you owe. You might even get annoying phone calls regularly to remind you of the mistakes made. Having your credit report on hand can save despair since some charges against individuals are mistakes. If you know what you owe, you are in the heading in the right direction to repairing your credit. Credit reports can be obtained at any of the three credit bureaus including Equifax, Trans Union, and expedient. Some people will tell you to apply for a loan so that you can get a copy of your report free. This is ludicrous since each time you apply for a loan or credit card it goes against your score. Why not pay $60 dollars now and save a fortune in the long run? Most credit reports cost around $20 or more, but if you think about it, it will cost less later on. If you are building credit, you need to consider both long and short-term obstacles. There is nothing in life that is free, and that includes making the right decisions. Prepaid cards are a great start in the right direction for building your credit, but for the most part the cards offer nothing in line of restoring ultimate credit results. The prepaid cards are treated like credit cards in one way, but it slowly builds or restores credit, so the process of credit repairing is only delayed yet obtainable. There are other types of credit cards available that claim to help restore your credit rating and score. Some of the card providers offer a lump sum of credit, but you have to pay around $200 or $300 upfront. The disadvantage is that some of these companies are fraudulent and work hard at taking your money, at the same time providing you no results. Consumers such as Trust Benefit have taking money from consumers promising them a repair solution on their credit report. Once the company takes the money, they may or may not send you a credit card. Be careful! It pays to check with the Better Business Bureau (BBB) before you apply for a credit card to make sure the provider is not out to take you for a ride. 

Click here to learn more about us: Credit Repairs Now

Click here to get our services to Join Us


Spread the love

Leave a comment

Your email address will not be published.

YFL Family Mint

FamilyMint is an award-winning online money management and goal-setting application that offers an engaging way for kids to learn financial responsibility. It’s easy for kids to use, lets them connect their money with real-world meaning, and most importantly, learn by doing. Your UCES Protection Plan membership gives you access to the YFL’s FamilyMint web and mobile interfaces, provides a quarterly financial newsletter “snippet” for kids, as well as detailed information on how to bring the FamilyMint workbook program to your child’s classroom.

Features

MyCare Plan

When it comes to your health and your assets, you’re used to being in charge. The decisions you make for yourself and your family are important because you know what’s best for you. unfortunately, in the event that you aren’t able to speak on behalf of these decisions, someone that doesn’t understand your wishes can end up making them for you. Without an estate plan in place, these crucial choices regarding YOUR health, YOUR finances, and YOUR family are suddenly out of your control.
Many people disregard planning for unexpected events because they’re “too young,” it’s “too expensive,” or they just don’t realize the importance of each piece that goes into a Will & Trust. MyCare Plan is a comprehensive planning package, customized to your needs, covering each of the essential parts that make up a full estate plan.

Features

WHAT'S INCLUDED

NetWorth

You hear about Net Worth all of the time, but do you know yours? Our Net Worth system makes it easy to track to your assets and liabilities, calculating your current Net Worth. The Net Worth report will track your results over time – and you can update and frequently as you would like! Tracking your Net Worth is a great way to start increasing your Net Worth, allowing you to discover what liabilities you need to eliminate and finding ways to add value to your assets!

Features

Savings Goals

Looking to save up for a vacation? To build your emergency fund? What about saving for college? Setting goals is the best way to reach them! Our Savings Goal system allows you to create multiple goals, decide when you need to achieve those goals, and choose how often you can save! You’ll then be shown what you need to put away each week or month to hit that goal! Your Savings Goal report will allow you to track your progress, showing you how much of your goal you’ve completed and allowing you to add any additional money at any time!

Features

Life Insurance

A life insurance policy gives you and your loved ones protection from the unexpected, offering the peace of mind knowing that your family will have financial security at the most challenging time. Symetra, your Term Policy provider, has been in business for more than half a century, operating on a foundation of financial stability, integrity and transparency. Symetra is committed to creating employee benefit products that people need and understand.
To participate in the term life insurance program provided by Symetra Insurance Company, you must be an active 1099 participating representative of United Credit Education Services.

VALUE OF LIFE INSURANCE

Financial Lockbox

If you’re like most families, one person is generally designated to handle the financial aspects of the household. Or, if you’re single, you may be the only person who knows the type and location of your financial accounts. What if your loved ones suddenly found themselves in the position of taking over your finances without warning? Would they be able to locate insurance, bank and financial records in the event of an emergency? My Financial Lockbox is an online solution that enables you to store financial data in a single, secure, password-protected location for easy access by you or loved ones that you select and authorize.

Features

Your Interactive Virtual Safety Deposit Box ...

Identity Monitoring

InfoArmor leads the identity protection industry with PrivacyArmor®, a proactive monitoring service that alerts you at the first sign of fraud. Get alerts for credit inquiries, accounts opened in your name, unsavory content on your social media account, compromised credentials, and financial transactions. In the event of fraud, you don’t have to figure out what to do — or even do it. Our dedicated Privacy Advocates® fully manage and restore your identity. Our 401(k) and HSA reimbursements, tax fraud refund advances, and $1 million identity theft insurance policy † mean we won’t let your finances suffer.

Features

†Identity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Debt Payoff

Our Debt Payoff system is a clear guide on how to more efficiently pay down your debt. Taking into account your debt obligations and interest, the system will show you exactly how to properly allocate your money towards your monthly payments using nothing more than your current income, in order to speed up your debt payoff. This system will show you exactly how fast you can pay down your debt, how much money you’ll save in interest and detail your monthly payment plan to help you achieve your debt payoff goals!

Features

Credit Monitoring

Manage all your online accounts in one place, integrated with your credit and identity. You can use Action buttons to ask your creditor a question about your account or a transaction. No phone calls or writing letters are necessary. We automatically track and update your account balances, bills coming due and transactions every day. Access your interactive credit report, which is now easy to read, search or find anything quickly, view more or less detail. It also includes your credit score, auto score, insurance score and even a hiring risk index for job seekers. Get alerts to your phone or email that someone opened credit in your name. Then use the Action button to stop the thieves.

Features

Credit Attorney

We love to help people. We fix people’s credit reports in a legally and trustworthy manner and fight abusive debt collectors. We turn victims into victors as we step into an otherwise unfair fight started by debt collectors, creditors and credit reporting agencies. We are focused on you and not just your case. Our lawyers and paralegals band together to analyze your case and situation from all angles to bring about the best result in the quickest manner. We will work with you to determine your case eligibility and aim to stop debt harassment & clean up difficult to remove credit report errors from your credit file.

Features

Credit Builder

Understanding how your credit score is calculated and how to read your credit report are the first steps in improving your current standing. Our Credit Education Center offers a wide variety of educational services, credit tips and resources to help you take the necessary steps to enhance your credit score and manage your financial life. Improve your score by identifying the accounts that need immediate attention and why, and understand the impact of the amount of credit you are using.

Features

Credit Restoration

Your financial health revolves around your credit score, making it imperative that the information your credit report contains is as accurate and up-to-date as possible. Work with our credit experts and proven system to eliminate any inaccurate, obsolete or erroneous accounts. We’ll teach you the exact information you need to provide to the Credit Bureau’s to use the Fair Credit Reporting Act to your advantage and dispute the mistaken negative ratings that may be preventing you from obtaining new credit when you need it most. Lower your interest rates, avoid high late fees, save money and advance your credit opportunities.

Features

Budgeting

It’s been proven time and time again that creating a budget can help you pay off debt, save money and put yourself into a solid financial position. Our online budgeting system features a modernized design, with preset categories allowing you to simply fill in the blanks and update along the way. Each month, we’ll track your progress and place it into a budgeting report – allowing you to see the impact of following and maintaining a budget.

Features