Some people are denied access to having a basic bank account because they may have had financial difficulty at some point, causing an old account to fall in the red and because most are living paycheck to paycheck, the funds were simply not available to bring the account into the positive. If this is the case, the account holder was reported to ChexSystems or EWS (Early Warning System) which prevents future access to obtaining the most basic checking accounts until the debt is settled with the financial institution. But it doesn’t stop there. These accounts are eventually charged off and reported to one, if not all, the credit bureaus which causes a drop in credit scores.
Another issue consumers experience when not being able to make substantial improvements to there credit score is having credit cards that are maxed out. Most consumers are only able to make the minimum monthly payments on credit cards, which only helps to keep the account in open (in some cases) with the creditor and helps with the payment history factor, which makes up 35% of credit scores. However, each month scores jump up and down because there is no real progress made to reduce the balance (principle) owed, which hurts the credit utilization factor, accounting for 30% of credit scores. In my opinion, this is one of the most important factors because it can help consumers if managed properly or it can have the most detrimental effect.
There is a solution that will not only resolve the issue of not having access to a bank account, but will also provide a CREDIT BOOST to help reduce credit utilization by providing a reported tradeline of $1,000 to as much as $10,000!!!! This is also helps those who cannot get approved for a traditional credit card due to lack of credit history, who is overextended with credit, even those who have poor credit.
This EXCLUSIVE card is creating history as it is the WORLD’S FIRST METAL secured, prepaid, debit card. It helps provide the much needed points in all 5 factors that make up credit scores. Here’s how:
- There is NO credit check for this card. EVERYONE is APPROVED!
- For those who lack credit, it helps to provide credit mixture!
- For a LIMITED TIME, the company will report 12 months back from the time the account is opened, thus adding points for length of credit history!
- It will help to reduce credit utilization depending on the line of credit YOU CHOOSE!
- So long as you make your monthly payments on time, starting at ONLY $20/month, you will have an account reporting with POSITIVE PAYMENT HISTORY!
This card will report to ALL 3 MAJOR CREDIT BUREAUS! But the benefits don’t stop there:
- NO Credit Check
- NO Direct Deposit Fees
- NO Late Fees
- NO Transfer Fees
- NO Point of Sale Fees
- NO Teller Withdrawal Fees
- NO ATM Fees After Depost
- NO Monthly Fees
- Earns Elite Rewards
- Earns Cash Rewards
If the benefits listed weren’t enough to make you scratch your head, you also have the option of choosing your very own card design and if you own a business or have a special group or organization, you can have cards customized to represent YOU! Are you a member of the military? There is a card for you! Are you an educator? There is a card for you! Are you a medical professional? There is a card for you! Are you a barber or hair stylist? There is a card for you! Here are just a few designs available:
- You can choose either VISA or Mastercard (each has it’s own benefits).
- This card is backed by MetaBank and is FDIC insured.
- You will receive a bank and routing number where you can have your payroll direct deposited onto your card.
To learn more about this card or to sign up TODAY, go to bit.ly/FinanFitFix. This card is not only improving credit scores, but it’s also changing the sound of money.
Credit Guardians Consulting 
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