Your Customized Credit Score Optimization Tips

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To reach your credit goals, you should have at least two open credit cards.

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Many of our customers choose to open secured cards. Even small secured cards can provide a powerful credit score boost,
often more than 100 points within 6 months from the first month they report!

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Here are our top choices for secured credit cards, if you had business with any of the companies in the past and defaulted with
the card then please do not reapply with them at this time:

Capital One Secured MasterCard >>

  • Get started with as little as $200
  • No monthly maintenance fees
  • Annual Fee $29

Academy Bank Secured Visa >>

  • Get started with as little as $300
  • No monthly maintenance fees
  • Annual Fee $25

U.S. Bank Secured Visa >>

  • Get started with as little as $300
  • No monthly maintenance fees
  • Annual Fee $35

Merrick Bank Visa >>

  • Get started with as little as $300
  • Annual Fee $36 First Year Only
  • $3 Monthly Fee Thereafter

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Credit Tip: For the best score-building results please maintain a small balance on your new
card but do not use more than 20% of the available limit!

Credit Score Warning: New accounts lower your scores for the first couple months they report. This is only a short term drop! But if you plan an important
loan application in the next few months please speak with us before taking action.

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