Better Credit 4 U

03/11/2025

04/17/2023

GFM Investments Inc is Now Offering Free Credit Repair Services. Click on The Link Below. Please Share. Good Credit Is King

https://freediycreditfix.com/?code=8900

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freediycreditfix.com is the only truly free DIY credit repair program that works with you every step of the way to repair and rebuild your credit. Signup in 60 seconds.

05/03/2016

Secured Card
Today, maintaining good personal credit is more important than ever. A secured credit card can help in rebuilding credit, or to build new credit for individuals just starting out. The First Progress Platinum MasterCard® Secured Credit Card is a full-feature Platinum MasterCard® with a credit line based on a security deposit rather than on a credit score. The card is designed to advance the accumulation of new information in a credit file, by reporting account activity to all three of the major national credit bureaus every month. Since it is a full-feature Platinum MasterCard®, the card provides the convenience and prestige of the worldwide MasterCard® system.

First Progress Platinum MasterCard® Secured Credit Cards are issued by Synovus Bank, Columbus, GA, member FDIC.

Submit
Why First Progress?
Get Approved Fast!
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application
Full-Feature Platinum MasterCard® Secured Credit Card
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
24/7 Online Access to Your Account
Nationwide Program – though not yet available in NY, IA, AR, or WI

11.99%
Variable APR for Purchases

18.99% Variable APR for Cash Advances
The Cash Advance Transaction Fee is $10 or 3%
of each Cash Advance, whichever is greater

$44
Annual Fee
Important Disclosures
Secured Card FAQ

04/29/2016

How to Establish Credit

When you have little or no credit history, applying for loans and credit can be difficult, if not impossible. Lenders like to see a record of payment history and a current credit score before they extend credit or loans. This information also helps them determine what interest rate to offer.
If you do not have a credit history, here are some ways to build it one:
Understand What Lenders Are Looking For

If you are looking to establish credit for the first time, lenders can’t look to your credit score to decide whether or not to lend you money. In these situations they have to examine other factors that can help them decide if you are a good credit risk or not. Here are basic guidelines to follow to establish or re-establish your credit:
First and foremost, pay any bills that come your way on time.
If you don't have a checking account, open one. You have very little credibility with lenders if you don't have at least a checking account and preferably a savings account as well. Just as importantly, be sure not to overdraw your bank account. Bouncing checks sends a signal to potential lenders that you can't manage your daily finances and are therefore not a good credit risk.
Establishing a relationship with a bank will improve your chances in obtaining a loan or credit card through them. If you already do business with a bank, they should be the first place to look.
Open a charge card with a local department store or apply for a gasoline credit card. Pay off the entire balance each month. Remember, if you cannot pay off the balance each month, you are spending outside your means.

09/23/2015

How Your Bill Paying Habits Have Impacted Your Credit Score

Your payment history determines approximately 35% of your current credit score. The credit scoring model is looking to see if you have paid your bills on time in the past and if you are currently behind on any of your bills. Specifically, the score will calculate the total number of accounts paid on time and the number of accounts past due. Past due accounts will be rated by the amount past due, the length of time the account was past due, and how recently it was past due.

Late payments on certain types of accounts have more of a negative effect on you than others. In regard to applying for a mortgage refinance, late payments on your existing mortgage accounts are significantly worse than late payments on credit cards or installment loans.

Without a doubt, the most important debt to keep up to date is without a doubt your mortgage payment. Before you pay any other debt each month, make it a priority to pay your mortgage payment. Contact your loan servicer immediately if you feel you cannot make your mortgage payment.

Additionally, when you have a late payment on your mortgage it will affect the interest rate you are offered if you refinance. Why is this so significant? Lenders look poorly upon late mortgage payments because it indicates the possibility that they will not be repaid, and they will charge the borrower a higher interest rate to compensate them for this risk.

If you are close to being 30 days late on your mortgage (or any other debt reporting to credit), it's a good idea to pay by phone directly with the lender to ensure your payment is posted immediately. Otherwise, overnight your check to confirm receipt by the lender prior to being 30 or more days late. Be sure to confirm the overnight address - it may be different than the regular payment address.

Caution: One 30 day late can impact your credit for several years so any extra cost or inconvenience is well worth avoiding a late payment reported to credit.

IF You Are Currently Late:
If you have an account that is currently past due, your first step before you pay the amount owed is to contact the creditor and verify the actual balance due. Why is this important? Account balances are typically not accurate on your credit file. It is important to remember that recent past due balances can have a devastating impact on your credit score and should be addressed as quickly as possible. After this past due balance has been paid, and all of your payments are up to date, every possible effort should be made to make sure this and all other accounts are paid on time. This includes utilities and telephone services as well. A new late payment can reduce your credit score up to 75 points!

Tip:Check out our letters in the Protection Plan Letter Library for dealing with creditors and late payments.

09/11/2015

Secured Card
Today, maintaining good personal credit is more important than ever. A secured credit card can help in rebuilding credit, or to build new credit for individuals just starting out. The First Progress Platinum MasterCard® Secured Credit Card is a full-feature Platinum MasterCard® with a credit line based on a security deposit rather than on a credit score. The card is designed to advance the accumulation of new information in a credit file, by reporting account activity to all three of the major national credit bureaus every month. Since it is a full-feature Platinum MasterCard®, the card provides the convenience and prestige of the worldwide MasterCard® system.

First Progress Platinum MasterCard® Secured Credit Cards are issued by Synovus Bank, Columbus, GA, member FDIC.

Submit
Why First Progress?
Get Approved Fast!
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application
Full-Feature Platinum MasterCard® Secured Credit Card
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
24/7 Online Access to Your Account
Nationwide Program – though not yet available in NY, IA, AR, or WI

11.99%
Variable APR for Purchases

18.99% Variable APR for Cash Advances
The Cash Advance Transaction Fee is $10 or 3%
of each Cash Advance, whichever is greater

$44
Annual Fee
Important Disclosures
Secured Card FAQ
How It Works
Clicking moves left
Getting Started:

Complete the online application by selecting the "Enroll" button above. You will know if you are pre-approved within 60 seconds! You will then receive a response from First Progress within 3 weeks, upon completion of the full application process.
An optional Expedited Processing Service is available for $19.95, allowing your card to be processed up to 7 days faster, with the use of a debit or or prepaid card to fund your security deposit.
Approval:

Approval for the card requires no credit history or minimum credit score, making the program suitable for a broad range of consumer segments including those who do not qualify for other credit solutions. The card is secured by a fully-refundable security deposit of $300 to $2,000, held in its own FDIC-insured bank account.
See The Results:

In order to help our customers advance the accumulation of new information in their credit file, we report all usage and payment activity to all three national credit bureaus every month! Although designed to be a benefit, please remember that poor payment performance will negatively impact credit history.
We’ll Help You:

View your account online- 24/7
Our live Customer Service Team is available to help with any questions. Please do not hesitate to contact us.

07/24/2015

Secured Card
Today, maintaining good personal credit is more important than ever. A secured credit card can help in rebuilding credit, or to build new credit for individuals just starting out. The First Progress Platinum MasterCard® Secured Credit Card is a full-feature Platinum MasterCard® with a credit line based on a security deposit rather than on a credit score. The card is designed to advance the accumulation of new information in a credit file, by reporting account activity to all three of the major national credit bureaus every month. Since it is a full-feature Platinum MasterCard®, the card provides the convenience and prestige of the worldwide MasterCard® system.

First Progress Platinum MasterCard® Secured Credit Cards are issued by Synovus Bank, Columbus, GA, member FDIC.

Submit
Why First Progress?
Get Approved Fast!
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application
Full-Feature Platinum MasterCard® Secured Credit Card
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
24/7 Online Access to Your Account
Nationwide Program – though not yet available in NY, IA, AR, or WI


11.99%
Variable APR for Purchases

18.99% Variable APR for Cash Advances
The Cash Advance Transaction Fee is $10 or 3%
of each Cash Advance, whichever is greater

$44
Annual Fee
Important Disclosures
Secured Card FAQ
How It Works
Getting Started:

Complete the online application by selecting the "Enroll" button above. You will know if you are pre-approved within 60 seconds! You will then receive a response from First Progress within 3 weeks, upon completion of the full application process.
An optional Expedited Processing Service is available for $19.95, allowing your card to be processed up to 7 days faster, with the use of a debit or or prepaid card to fund your security deposit.
Approval:

Approval for the card requires no credit history or minimum credit score, making the program suitable for a broad range of consumer segments including those who do not qualify for other credit solutions. The card is secured by a fully-refundable security deposit of $300 to $2,000, held in its own FDIC-insured bank account.
See The Results:

In order to help our customers advance the accumulation of new information in their credit file, we report all usage and payment activity to all three national credit bureaus every month! Although designed to be a benefit, please remember that poor payment performance will negatively impact credit history.
We’ll Help You:

View your account online- 24/7
Our live Customer Service Team is available to help with any questions. Please do not hesitate to contact us. www.myfes.net/kwalker2

08/08/2014

Credit Score TOO Low To Purchase a Home? WE CAN HELP. 199.00 and 39.00 a Month. Service is Good For a Year and Comes with a Written Money Back Guarantee. www.bettercreditscore4u.com

08/06/2014

Restore Your Credit For 199.00 Down and 39.00 a Month

Are you being turned down for home loans,refinancing, automobiles, department store cards, or even gas cards? Our experienced team have helped thousands of people restore their credit

02/26/2014

Why United Credit?
•Excellent rating with Better Business Bureau
•10 years of exceptional service
•View results online 24/7
•Live, friendly customer service staff
•Customer involvement allowing review
and change to your disputes

Our Success Rate!



Credit Report Classifications # of Deletions
Late Payments (including Late Payment History) 162,035
Collections (including Collections,Charge-Offs,Settlements,Repossessions,Foreclosures) 451,964
Public Records (including Bankruptcies,Garnishments,Judgments ,Tax Liens) 77,229
Personal Info (including Address Corrections,Name Corrections,Employment History,Inquiries) 28,007
Total Items Corrected as of 2/26/2014 719,235

01/05/2014

UltraScore (www.ultrascore.net)

This valuable program will guide you through simple steps to maximize your credit potential. Our large financial resource center, payment calculators and financial planning documents are included to answer all questions related to your unique financial situation.



How It Works




Getting Started:
•Once enrolled, you will receive a Welcome Email with your Username and Password, directing you to your online portal.
•Log into your portal and see what’s affecting your credit score!

12/26/2013

COMPANY OVERVIEW
Do you know someone with less than perfect credit? We did. As a matter of fact, our experience within the world of credit was how Financial Education Services was started. We saw a problem that many American’s began facing years ago, and unfortunately, it was on the rise.

In 2004 we built a system that would not only aid in cleaning up inaccurate, obsolete or erroneous items from consumer credit reports, but would involve each customer to increase their education on the harmful financial effects of negative credit. As less than reputable companies began making an appearance and creating hesitation among consumers who were looking for reliable answers, our goal was to ensure our company gained a stable reputation based on loyalty and trust. We knew it was important for those involved in our service to know exactly how it worked, have their questions answered and receive the personal attention and explanation they needed. Our solution meant bringing in strong, motivated individuals looking for an opportunity to help others while enhancing their own financial opportunities.

Credit education has been missing from every curriculum, from grade school to graduate. As our consumer base began to grow, and with every new representative entering into the business, we heard countless stories of financial stress and concern. Many didn’t realize they had a credit problem until it was too late. What’s worse was the alarming amount of errors that were being reported in consumer credit files, costing many American’s thousands of dollars every year. Our finances will affect us our entire lives- we needed to create a lifetime solution.

As we explored and created countless financial programs over those next few years, aiming to satisfy the need for financial security, we realized that all of our products were crucial to creating a secure financial future. They were all important pieces to the financial puzzle! To ensure our customers had the opportunity to enhance their entire financial scenario, we created the FES Protection Plan. This multiproduct program contains our entire product line and is consistently being updated and working towards advancement.

As our tenth year of business approaches, we are proud to say that we still stand behind our services with the same integrity and mindset that entered us into this industry. The same questions are still constantly on our mind: Are our customers happy? How can we improve? What else can we offer to help those wanting to create security over their financial futures? Hearing life changing stories from our customers and representatives continues to remind us the importance of financial education.

Whether you’re looking for help within your own financial scenario or are here to explore a limitless business opportunity, your success is within reach at Financial Education Services.
www.bettercreditscore4u.com