• New feature! Earn up to 10% cash back on everyday purchases
• No credit check to apply. Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Over 1.4 Million  Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
   

• Choose the First Progress Select Card for a lower annual fee!
• All credit types welcome to apply!
• Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time! 
• Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
• Secured Cards are a great way to start establishing credit for people with low/no credit scores¹
• Get a fresh start! A discharged bankruptcy in your credit file will not cause you to be declined
• Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
• ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Click for Disclosure
 

Deposit Options: Debit card funding. 

• No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
• Excellent option for a low fully refundable security deposit, get started with just $100
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
• Earn up to 10% cash back on everyday purchases
• Minimum payment as low as $10
• Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
• Monitor your credit progress with free access to your FICO Credit Score.
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
• Now you can make smaller partial payments towards funding your security deposit over 60 days
• Over 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit"

**Pre-Approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: You are a non-United States resident; the social security number you provide is invalid or we are unable to verify your identity under federal law; you are under 18 years old; your monthly expenses are greater than your monthly income; you lack sufficient income or assets to pay the monthly payment required for this card; you have two or more open credit card accounts with Capital Bank; or your account history on any current or previous relationship with Capital Bank is not in good standing.

Choose the First Latitude Assent Card and enjoy $0 Annual Fee!

• Secure your credit line with your refundable security deposit – choose from $200- $2,000. With the ability to increase up to $5,000 over time!
• Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
• Designed to push you forward on your credit building journey with $0 Annual Fee.
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion. ¹
• All credit types welcome to apply!
• Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
• ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Deposit Options: Debit card funding.

Click for Disclosure

• New feature! Earn up to 10% cash back on everyday purchases
• No annual fee
• No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Monitor your credit progress with free access to your FICO Credit Score.
• Reports to all 3 major credit bureaus monthly to establish and build credit history.
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Secure your credit line with a refundable security deposit - as low as $300.
• Easy application, apply in less than 5 minutes right from your mobile device
• Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
• Now you can make smaller partial payments towards funding your security deposit over 60 days
• Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

Multiple Ways to Build Credit.

A CreditStrong account is the fusion of a secured consumer installment loan and a savings account. During the life of your CreditStrong account you build both credit history and savings.

• Instantly build revolving credit with no minimum monthly payment required with CreditStrong Revolv
• Build installment credit and savings with low fixed monthly payments with CreditStrong Instal
• Build supersized installment credit with supersized plans with CS MAX

• Up to $1,000 Initial Credit Limit
• See if you Pre-Qualify with No Impact to your Credit Score
• Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
• With responsible card use, you may be able to rebuild or improve your credit
• Unsecured credit card that requires No Security Deposit
• Perfect card for everyday purchases and unexpected expenses
• Monthly reporting to the three major credit bureaus
• Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
• Use your card everywhere Mastercard is accepted at millions of locations
• Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

• Your payment performance is reported monthly to TransUnion®, Equifax®, Experian®, and Innovis®.
• Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo.
• Lower your monthly interest payments when you have a higher credit score.
• Better credit makes owning a car and home possible, with higher odds for approval.
• Get your FICO® Score and see your credit score journey progress every month.

How it works:

1. Build with Installments: pay $10/month over 24 months.
2. Learn with Courses: pick up useful skills.
3. Earn with Rewards: up to 1% back on eligible loan offers.

Key features:

• Flat monthly rate
• Instant approval
• No credit check / no hard pull
• No bank account needed
• $0 security deposit
• $0 setup/admin fees
• $0 annual fees
• $0 late fees
• $0 prepayment fees
• 0% APR

Requirements:

• You must be at least 18 years of age
• You must have a valid U.S. Social Security Number

Available in all 50 states.

Fair & fast personal loans - $1,000 - $50,000§ | 3 & 5 year terms‡

• A personal loan for your personal needs:  moving, home improvement, medical, credit card and debt consolidation, wedding loans
• Check your rate in 5 minutes
• Won't affect your credit score!††
• Next day funding- 99% of applicants get money just 1 business day after accepting their loans**
• 1 monthly payment- Simplify with 1 single monthly payment at a fixed rate
• No prepayment penalty - You may pay off part or all of the loan at any time with no fee

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.

• Choose our First Latitude Elite Card for a lower annual APR!
• Apply now and fund your security deposit over 90 days with the option to make partial payments.
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
• No minimum credit score required for approval!
• Secure your credit line with a refundable security deposit - as low as $200 to get started!
• ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
• *See Important Disclosures for complete offer details

Deposit Options: Debit card funding.

Disclosure:

images.totalcardinc.com/documents/disclosures/FirstLatitude/Important_Disclosures_Elite.pdf

Earn 1% Cash Back Rewards with First Progress Prestige!

• All credit types welcome to apply!
• Apply now and fund your security deposit over 90 days with the option to make partial payments.
• You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
• Secured Cards are a great way to start establishing credit for people with low/no credit scores.¹
• Get a fresh start! A discharged bankruptcy in your credit file will not cause you to be declined.
• Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
• ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Deposit Options: debit card funding. 

Click for Disclosure
 

• Self Financial helps you get a Credit Builder Account through their banking partners, which has a term of 24 months.
• All payments are reported to the three major credit bureaus as an installment loan which helps consumers build credit.
• Savings plans start at $25/month and include credit monitoring.  At the end of account term, you've built credit history and your CD savings unlock. (minus interest and fees)

• Your rent payments can improve your credit score. Get what you deserve
• We report your payments to TransUnion, Equifax, and Experian
• A new tradeline appears on your credit report
• Look for your score to change within 10 days

Who Would Want To Participate In Our Rental Reporting Program?

• Rebuilding Your Credit? We can help you rebuild your credit in a matter of days by reporting your last two years’ of on-time rent payments to TransUnion. The addition of this significant payment history will have a dramatic impact on your credit and allow you to move towards credit independence.
• Want To Establish Credit? We add a new trade line to your credit report that reflects your on-time rental payment history.  We add not just your on-time payments but we add the length of your rental payment history.  How many years have you been renting a house or apartment?  That length of credit history is not part of your credit report.
• Buying A Home? We add a new trade line to your credit report that reflects your on-time rental payment history.  We add not just your on-time payments but we add the length of your rental payment history.  How many years have you been renting a house or apartment?  That length of credit history is not part of your credit report. Your rent payment history both “thickens” your credit file with positive data that is taken into account and demonstrates your ability to repay your largest monthly obligation……. your rent.

There are 4 simple steps to the rent reporting process

1. Verification of your identity and rent payments: On your application, we need basic information such as your social security number, date of birth, address, and your landlord’s contact information. Your social security number ensures that your rent history is clearly matched with your credit profile.
2. Verification of your rent payments with your landlord: We work directly with your landlord to verify their identity and confirm your on-time rent payments both over the last 24 months, and in the months to come. For a fee of $50 each, we can also verify and report rent payments made to multiple landlords within the past 2 years.
3. Rent reporting to credit bureaus: Equifax and Transunion. 
4. Tradeline creation on your credit report: A new tradeline is created on your credit report within 5-7 business days. You receive a notification when this is completed. As you continue to pay your rent each month, more information is added to this tradeline. This is why it is important to keep your subscription paid and current every month.

What Does This Program Cost?

Build credit with Kikoff.  The safe way to build credit..

We help you establish positive payment history and lower utilization, both important factors for raising your credit score.

• No credit check. No hard pulls required
• Starts at $5/mo. Cancel anytime
• With 0% interest
• Open your account in minutes
• Easy & automatic.  With the optional Autopay, never worry about due dates.

How does Kikoff work?

Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.

Kikoff offers 2 products:

1. Kikoff Credit Account - this is a revolving line of credit. This account builds monthly payment history and helps reduce your credit utilization.
2. Kikoff Credit Builder Loan - this is an additional product for customers with positive payment behavior on Kikoff products. Credit Builder Loan is a 1-year savings plan for $10/month.

Is this a credit card?

The Kikoff Credit Account is a revolving line of credit that gets reported to Equifax and Experian.

You are able to use the Kikoff Credit Account to finance the purchase of goods and services from Kikoff.

Unlike a credit card, the Kikoff Credit Account can only be used to make purchases from Kikoff (e.g. can’t buy gas or groceries)

Which bureaus does Kikoff report to?

Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.

Please note that reporting depends upon which Kikoff products you have:

Kikoff Credit Account reports to Equifax and Experian.

Credit Builder Loan (optional add-on) reports to TransUnion and Equifax.

Please see all terms and conditions and state availability: https://kikoff.com/terms.pdf