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Credit Report Can Be Refreshed Every 30 Days
$25,000 Identity Theft Insurance*
Why Do Thieves Steal Your Identity?
What would you do if your identity was stolen? Questions start to flood your mind, leading you down a path of trying to figure out how and where this could have happened and you can’t help but feel violated and insecure. The two questions we all end up having are: why did they steal my identity and more importantly what will they do with my identity? While it’s often difficult to make sense of why a criminal does something, we can help identify a few of the most common things criminals do with a stolen identity.
Open new credit cards in your name
Make fraudulent purchases
Log in to personal accounts (email, social media, bank, etc…)
Open new phone and utility accounts in your name
Clone your ATM or debit card
Change your billing address
Obtain a new driver’s license or official ID
Use your identity when questioned by police
ScoreCasterIQ is a benefit that allows consumers to understand the impact each credit account has on their score. ScoreCasterIQ provides a detailed analysis of the credit report, recommended actions to take with accounts negatively impacting the score, and an interactive tool to educate and assist with general credit score scenarios.
ENHANCED CREDIT MONITORING
Daily credit monitoring gives insight into changes that are made to your credit report profile. Checking your credit report and score regularly, combined with the power of credit monitoring, empowers you to see changes as they occur and act quickly if something unexpected happens.
There are a few reasons why thieves may steal your identity. One reason is to take out loans or open credit card accounts in your name. This allows the thief to make purchases or withdraw cash using your credit or bank accounts.
Another reason why thieves may steal your identity is to use your personal information to commit fraud or other crimes. For example, they may use your name and Social Security number to file false tax returns or to claim government benefits.
In some cases, thieves may steal your identity to hide their own identity. This can allow them to avoid detection by law enforcement or to avoid being held accountable for their actions.
Overall, identity theft can be motivated by a variety of factors, including financial gain, fraud, and the desire to avoid detection. Regardless of the motivation, identity theft can have serious consequences for the victim, including damage to their credit score and financial losses.
CREDIT REPORTS & SCORES
Suspicious changes in your credit report are one of the first indications that your information may have been compromised. If you feel something has gone wrong, one of the first steps we recommend is to take a look at your credit report and verify all of your information. We believe checking your report regularly is so important that we offer you 12 reports per year (on select plans), which is something our competition does not.
A credit report is a detailed record of your credit history. It includes information about your credit accounts, such as credit cards, loans, and mortgages, as well as information about any late or missed payments. Your credit report also includes personal information, such as your name, address, and Social Security number.
Your credit score is a number that reflects the information in your credit report. It is based on a calculation that considers factors such as your payment history, credit utilization, and the length of your credit history. Your credit score is important because it is used by lenders to determine whether to approve you for credit and at what interest rate.
It's important to check your credit report and credit score regularly to make sure the information is accurate and up-to-date. You can get a free copy of your credit report from each of the three major credit bureaus – Experian, Equifax, and TransUnion – once a year at annualcreditreport.com. You can also purchase your credit score from a credit bureau or from a number of websites.
Best Companies to Repair Credit
It's important to be careful when choosing a company to help repair your credit. Many companies make false promises and can end up doing more harm than good. It's always a good idea to do some research and read reviews before choosing a company to work with. Some reputable credit repair companies include 755creditscore.com,Lexington Law, Sky Blue Credit Repair, and Credit Saint. It's also a good idea to check with the Better Business Bureau to see if the company you're considering has any complaints against them.
I'm sorry, but I am not able to browse the internet and do not have information about specific companies in Houston, Texas that offer credit repair services. It's always a good idea to do some research and read reviews before choosing a company to work with. Some reputable credit repair companies include Lexington Law, Sky Blue Credit Repair, and Credit Saint. It's also a good idea to check with the Better Business Bureau to see if the company you're considering has any complaints against them. Additionally, you can contact the Texas Attorney General's office for more information about credit repair services in your area.
Credit repair companies offer to help improve your credit score by disputing inaccurate or incomplete information on your credit report. They may also offer advice on how to manage your credit and improve your credit score.
While some credit repair companies may be able to help you improve your credit score, it's important to be cautious when choosing a credit repair company to work with. Many credit repair companies make false promises and may end up doing more harm than good. In some cases, credit repair companies may charge high fees for their services and may even encourage you to engage in illegal activities, such as creating a new credit identity or using a "credit privacy number" instead of your Social Security number.
If you're considering using a credit repair company, it's important to do your research and carefully read any contracts or agreements before signing up for their services. You should also be wary of companies that guarantee that they can remove negative information from your credit report, as this is not possible unless the information is incorrect.
Instead of using a credit repair company, you can take steps to improve your credit score on your own. This may involve checking your credit report for errors and disputing any inaccurate information with the credit bureaus. You can also work on improving your credit by making on-time payments, reducing your credit card balances, and limiting new credit applications.
In general, it's best to avoid credit repair companies and take steps to improve your credit on your own. If you need help managing your credit and debt, you may want to consider working with a non-profit credit counseling agency. These organizations can provide you with free or low-cost advice on how to manage your credit and improve your credit score.
WHEN DO I GET MY CARD?
You will receive your secured card once you have fully funded the deposit to open the card and have been approved by the issuing Bank. You can put down as little as $200 to open your secured card if you apply through our program. Typically you receive your card around 2 weeks after you are approved by the issuing Bank.
It's difficult to say exactly when you will receive your card without more information. The time it takes to receive a card can vary depending on the issuer, the type of card you applied for, and other factors.
Typically, it can take anywhere from a few days to a few weeks to receive a new credit card after you apply for one. If you haven't received your card within a few weeks, it's a good idea to contact the issuer to inquire about the status of your application. They should be able to provide you with information about when you can expect to receive your card.
In some cases, you may be able to access your account and start using your card before you receive the physical card in the mail. For example, some issuers may allow you to set up online account access and use a virtual card number until your physical card arrives.
Overall, it's important to keep in mind that the time it takes to receive a new credit card can vary depending on the issuer and other factors. If you have any questions or concerns, it's best to contact the issuer directly for more information.
WILL MY SCORE GO UP?
It's difficult to say for certain whether your credit score will go up without more information. Your credit score is based on a variety of factors, including your payment history, credit utilization, and the length of your credit history.
If you take steps to improve these factors, it's possible that your credit score will go up. For example, if you consistently make on-time payments, your payment history will improve, which may boost your credit score. Similarly, if you reduce your credit card balances and keep your credit utilization low, your credit score may also improve.
It's important to keep in mind that credit scores can fluctuate over time, so it's not uncommon for your score to go up and down. Even if your score goes up, it's important to continue managing your credit responsibly to maintain a good credit score.
Overall, it's impossible to predict exactly how your credit score will change without more information about your specific situation. If you're concerned about your credit score, it's a good idea to talk to a financial advisor or credit counselor for more advice.
Credit Builder Card's program is designed to help you build your credit with all three credit bureaus. It would be impossible to say how much your score will go up but some members have seen their credit scores improve by more than 50 points. Please note that each individual has a unique credit report and we cannot make any guarantees as to your specific score improvement. To get the maximum increase in your credit score we recommend always making your payments on time for your secured card and never spending more than 30% of your card limit each month.
REALLY NO CREDIT CHECK?
That's right :) We want our service to be accessible to everyone and that means no hard credit inquiry when you apply and no credit score requirement for approval. You use your own money to fund your deposit to open your secured credit card and as a result, there are no strict credit requirements. You may not be approved for a secured credit card if you have an active bankruptcy. In select situations, the issuing Bank may request a copy of your Drivers License and a utility bill or bank statement to verify your identity.
In most cases, it is not possible to obtain a credit card or loan without a credit check. Lenders typically use credit checks to evaluate an applicant's creditworthiness and determine their ability to repay the loan or credit card.
There are a few exceptions to this rule. For example, some lenders may offer credit cards or loans with no credit check for individuals with bad credit or no credit history. However, these products often come with high fees and interest rates, and may not be the best option for everyone.
It's important to be cautious of offers for credit products with no credit check, as they may be scams or predatory loans. These offers may come with hidden fees or other terms that are not in your best interests.
Overall, it's not possible to obtain a credit card or loan without a credit check in most cases. If you're concerned about your credit score, it's a good idea to work on improving your credit and seeking credit products that are right for you.
WHAT'S A CREDIT BUILDER CARD?
Credit Builder Card is a secured credit card marketplace. Based on the state you live in, we match you with a secured credit card that has a low $200 security deposit and reports to all 3 credit bureaus. Our mission is to help our users build credit and reach their financial goals while avoiding credit cards that charge interest rates over 30%, high annual fees, and application
A credit builder card is a type of credit card designed for individuals who have little or no credit history. These cards are typically easier to qualify for than traditional credit cards and may come with lower credit limits and higher interest rates.
The main purpose of a credit builder card is to help individuals build their credit history and improve their credit score. By using a credit builder card responsibly and making on-time payments, you can demonstrate to lenders that you are a responsible borrower and improve your credit score.
Credit builder cards can be a good option for individuals who are just starting to build their credit or who have had trouble qualifying for traditional credit cards in the past. However, it's important to compare different credit builder cards and choose one that is right for you. Some credit builder cards may come with high fees or other terms that may not be in your best interests.
Overall, a credit builder card can be a useful tool for building credit and improving your credit score. However, it's important to use these cards responsibly and carefully compare different options before choosing one.