An unsecured card is simply a credit card that doesn't require a security deposit as collateral. This is the most common type of credit card. Unsecured credit cards may come with lower interest rates and fewer fees than secured cards. And you may be approved for a higher credit limit, which can help improve your credit utilization ratio. As a bonus, many unsecured credit cards also offer rewards you can earn.

Secured Credit Cards

These are great if you are not able to qualify for an unsecured credit card. Secured credit cards require card members to deposit cash in a bank account to hold as collateral. A secured credit card can help you establish or re-establish your credit. Since payments are included in your credit report, paying on time and managing your balance will help improve your credit score. After raising your credit score, you may be able to qualify for a regular credit card.

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Rental Reporting to Boost Your Credit Scores

This is the one we have all been waiting for, finally you can get credit for being a renter. Now credit bureaus are allowing people to report their rental payment history, we are seeing credit scores increase 30 to 50+ points with just this one tool alone. This is an amazing opportunity to get a quick increase with your credit score.

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Credit Strong (Credit + Savings Account)

This is one of the most powerful credit tools for building your credit and a savings account at the same time. This tool provides multiple benefits for any person looking to improve their personal credit and financial situation.

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What to expect when you enroll

• Instantly receive a bank loan and the funds are placed in a FDIC insured savings account in your name. Funds are locked to secure the loan.
• The bank will report your payments to the three major credit bureaus, building your credit history each month.
• Receive a monthly FICO® Score 8 for free, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.
• When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.

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Identity Theft and Credit Monitoring

Don’t let identity theft ruin all of your hard work and your financial freedom by destroying your credit. Check out some of the advanced features provided with SecureMax, IdentityIQ’s most popular identity protection plan

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What to expect when you enroll

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.

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.

Dark Web Monitoring 

You may have heard a lot of talk about the dark web lately. So, what is it? The dark web is similar to the Internet we all know and love with a few key differences that make it ideal for criminal activity. The dark web is accessed with a special browser that allows criminals to anonymously enter an online version of the black market. Within the dark web, anything can be bought and sold without regulation, oversight, or restriction.

Identity Monitoring 

Your identity goes beyond your credit report and so should your monitoring. When thieves get access to your identity, they use it in ways some of us would never think of. One of the most impactful ways a thief abuses your identity is by committing criminal acts in your name. With IdentityIQ, we actively monitor international most wanted lists and national criminal record databases for your information.

Application Monitoring 

Thieves like to use stolen information to open new accounts. Often, you never know it happens until you pull your credit report and see accounts that you never knew about. We are actively searching for utility applications, payday loans, cell phones, and credit applications. Even if your credit isn’t pulled, we still know when it happens and we notify you so you can take action.

Identity Theft Insurance 

IdentityIQ will offer up to $1 million in identity theft insurance* for the primary member and provide you with financial peace of mind, making you an informed and proactive consumer with a team of experts to support you. If you have out of pocket costs due to ID theft, you’re covered with up to $1 million in ID theft insurance.

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What to expect when you enroll

• Increase your score up to 50 points just by paying your rent
• Quick results (within 90 days)
• No credit check
• Add a spouse or roommate