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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 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
All credit types welcome to apply!
Fast and easy application process; results in seconds
See if you’re Pre-Qualified without impacting your credit score
Initial Credit Limit of $300 – $1,000* (subject to available credit)
Monthly reporting to the three major credit bureaus
Use your card at locations everywhere that Mastercard® is accepted
Free online account access 24/7
Mastercard Zero Liability Protection (subject to Mastercard Guidelines)
35.90% Fixed Apr
Please note this offer has: upfront processing fees, annual fee, and monthly maintenance fees
*See all terms in conditions on website.
This offer is NOT available in the following states: MA, CO, WV, IL
Some Requirements (Not limited to)
You need to have an existing checking account
note: Having the above does not auto approve you. The bank will still look at other factors when making a decision.
Is there a credit check when I apply?
The pre-qual process is a soft pull (page 1 when consumer submits an app).
If the pre-qual offer is accepted and the applicant submits a full application (page 2), that is a hard pull.
How long does it take to make a decision about my application?
In most cases, we will provide an instant decision. However, in some cases we need to collect additional information to make a decision on your Surge credit card application which could take up to 30 days.
About Continental Finance:
Continental Finance, one of America's leading marketers and servicers of credit cards for consumers with less-than perfect credit, is proudly rated A+ by the Better Business Bureau.
Continental Finance Company is proud of our customer feedback. With more than 2.6 million credit cards managed since our founding, CFC prides itself on putting the customer first. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. If you have less than perfect credit, a CFC brand card can help you re-establish your credit history!
Who is Celtic Bank?
Founded in 2001, Celtic Bank is a leading nationwide small business lender and residential construction lender. Headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank is an SBA Preferred Lender and was named the 8th largest SBA lender in the nation for FY 2014.
Anyone is eligible, as long as we can verify your identity and business. Perfect for people with thin or no credit, since there is no credit check and no minimum credit score
Business requirements, the company must:
Have a registered EIN (Employer Identification Number issued by the IRS
Be at least 3 months old
Be a LLC, partnership, or Corporation
Be located in the United States and have a physical US address place of business
Individual requirements:
Own at least 25% of the business
Have no co-owner(s) that individually own 25% or more of the business
Be at least 18 years old and be a permanent US resident
Have a physical US residence
Have a valid SSN or ITIN
Have a valid identification document (Drivers license, State ID, Passport, Permanent Resident Card)
Impacts 90% of the factors used to calculate your credit score
Payment history (35%)
Amount of credit (30%)
Length/age of credit (15%)
Credit Mix (10%)
New Credit (10%)
We’ll report loan payments each month. Making on-time payments are a positive signal to credit bureaus and help your score.
All credit products are designed to give customers the ability (but not requirement) to demonstrate good financial behavior. The reverse is also true - Late payments are also reported!
The account is reported and will appear on a customer’s credit profile within 30-60 days after the first loan payment due date
The first payment is due 30 days from account opening date and due on the same day each month
How CreditStrong Business works:
A secured loan is issued to you, and deposited in a locked savings account in your name held at Austin Capital Bank, the 5* rated community bank that powers CreditStrong
These funds are secured, meaning they are not made available to you immediately
Each month, you make monthly payments towards the secured loan which pay down the loan balance
Each payment is split into 2 portions
Interest: Cost for keeping the account open, account maintenance, reporting, etc. Think of this as the money you pay CreditStrong to build your credit.
Principle: this goes towards the loan balance and principal payments will be available for withdrawal on completion of your loan. Think of this as money you pay to yourself each month for future use.
Each month, we report payment behavior to Equifax, PayNet, and SBFA. (remember:
make complete, on-time payments so we’re reporting GOOD credit behavior!)
We plan to expand commercial credit reporting to Experian and Dun & Bradstreet in the near future.
What happens when the loan is paid off?
Once the loan is paid off, the secured savings account is unlocked
The funds in the unlocked savings account can then be withdrawn
Once the account is paid off, it will be reported to credit bureaus as “Paid in full with a $0 balance” / ”Paid off”
Canceling:
You can choose to cancel early with no prepayment or early termination fees.
If you cancel early, the difference is unlocked, and the funds in your saving account (if any) can be accessed and transferred to your payment method on file with no fees or penalties
If you have already made the admin fee payment and 1 or more loan payment (It will be closed out and reported as “Paid in full with a $0 balance” / ”Paid off” (which is the same as if you were to pay it off fully – there is no difference in reporting))
If you have not made any payments or have made the admin fee payment but not a loan payment. It will not be reported and will not show on your credit report o If you have made more than 1 loan payment and want to cancel early. We use your secured savings to pay off the remaining loan balance
Choose your own credit line based on how much money you want to put down as a security deposit.
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
After 9 months, we review your account for a credit line increase. No additional deposit required!
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
Get your FICO® Credit Score for free each month.
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC.
Wisconsin Residents: This offer is NOT valid for residents of Wisconsin
Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A. each Member FDIC. Subject to credit approval.
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Complete our easy application and your results will be ready immediately. If approved you will have instant access to your $750 merchandise credit line along with other benefits.
Your rent payments can improve your credit score. Get what you deserve
We report your payments to TransUnion AND Equifax
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
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.
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.
Rent reporting to credit bureaus: Equifax and Transunion.
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?
The one-time enrollment fee of $94.95 pays for landlord verification and reporting up to 2 years of rental payment history to the credit bureaus. The monthly subscription fee of $9.95 enables us to automatically verify and report your ongoing rent payments. As with any credit report tradeline, the more months of data, the greater the impact can be on your score.
Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
Report the past two years of rent payments for a possible boost to your credit score!
Pricing: $6.95 Monthly (Keeps Trade Line Open) - $48 One time set up fee - Optional: $65 Historic Reporting
Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It's quick and easy!
We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.