Thrivent: Partnered with Thrivent Federal Credit Union, Thrivent Student Loan Resources offers variable rates starting at 4.13% APR and fixed rates starting at 3.99% APR. It is important to note that in order to qualify for refinancing through Thrivent, you must be a member of the Thrivent Federal Credit Union. If not already a member, borrowers can apply for membership during the student refinance application process.
Hi , so I started out with a 421 in December 2014 , I had a foreclosure , no credit cards , horrible spending habits , collections etc. My foreclosure fell off my report and I went to 453 . I applied for a credit one unsecured card , high interest and annual fees but all I could get at the time (300 credit limit). Charged gas every month , maybe 50 and paid it right off .In March got a cl increase to 500. My credit went to a 479. Appied for a Capital one card w/ 300 cl. Got it , charged very little every month paid it off , in June got a credit increse to 700. Also got offered a platinum mastercard w/500 cl from Credit One . I also had my husband add me to his Capital One credit card w/ 1000 cl. As of July 15 my score is 556. Not ideal but every week I check with Credit Karma and my score is going up . It takes time but you have to be disciplined . My name added as a user on hubbys card and my new credit card has now shown up yet on my credit so Im hoping for a decent jump when it does . As far as old collections , I paid off a 1700 Fingerhut bill and it had no effect on my credit whatsoever , I really wish I hadnt paid it , it says paid but still shows as derogatory. Tommorow I am going to my bank and getting a 500 secured card . As you can see I started this quest in December 2014 when I decided it was time to take responsibility and do something and its been 8 months and my credit score has jumped about 135 points .

Creditsweeps are done by companies or individuals who want hundreds to thousands of dollars upfront directly deposited in their bank account. (which is 100% illegal and against the credit services organizations act) Once they get you to pay they have you give them a power of attorney. they then use that power of attorney to file a FAKE police report saying your identity was stolen. In a very few cases this will work “permanently”. These are cases where its hard to determine there was a legitimate account. (ie. identity thieves don’t make payments on your accounts for months or years and then stop paying. Real identity theft involves someone getting a credit card, maxing it out and NEVER making a payment. If you have ever made a payment on your credit cards the creditsweep won’t work. What you are likely to see is 1 credit bureau remove all the items and then over a 4-5 month time period all the items come back one by one. (the other bureaus are notified but put off removing items until after the 1st bureau reviews it.
Hybrid loan option: CommonBond offers a unique “Hybrid” rate option in which rates are fixed for five years and then become variable for five years. This option can be a good choice for borrowers who intend to make extra payments and plan on paying off their student loans within the first five years. If you can a better interest rate on the Hybrid loan than the Fixed-rate option, you may end up paying less over the life of the loan.
Now, let’s take this a step further; one of the biggest misconception of this industry is that one’s credit score and credit report are the same thing.  The truth is, both concepts are gravely different. A credit report is a mere profile of your entire credit history – including all your positive and negative moments. This report is held and created by the three credit agencies, or bureau: Equifax, Experian, and Call Credit.  It’s here that lenders can discover if you’ve missed a payment, how many loans you have taken out, and even how reliable you are. On the other hand, a credit score is a number that derives on five different factors from your credit report, which leads us to our next significant section.
The FCRA section 605(c)(1) states; The 7-year period… shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Wanting to maximize results with our credit repair service? maybe build credit? or simply looking for a credit card? You came to the right place! Easy Solutions can help you apply for a credit card online. We've made it easy and fast! Simply review the credit card offers below, click the one that interests you, review the terms and conditions, and apply!

While the Savings Secured Visa Platinum Card from State Department Federal CU has a slightly higher security deposit at $250, it does have one of the lowest APRs of a secured card at 13.99% Variable. This may come in handy if you find yourself carrying a balance month to month — but we strongly encourage you to pay each bill on time and in full to avoid interest charges. This card is available to everyone regardless of residence by joining the American Consumer Council for free during the application process.
There is no magic ratio that is “good” but generally if your balances on any of your cards start creeping above 20 – 25% of your available credit, you may see an impact on your scores. Have you checked your credit scores to see how this factor is impacting your credit? Here’s how to check and monitor your credit score for free. As for the new account, it may have an impact on your score but usually for most people that levels out once the bills are paid on time for a few months. If it will save you a good chunk of money it may be worth it!
You're the best. My mom added me as an authorized user to a couple of her cards (when I was 12, and she never even told me about it), but they're at 99% utilization and have late payments! I'm still in the process of trying to get myself removed from those, and getting those accounts completely removed from my credit report, not just listed as closed accounts. 
Self Lender, based in Austin, Texas, is designed to help consumers increase their financial health. Working in partnership with multiple banks, Self Lender offers a credit-builder account that is essentially a CD-backed installment loan. In other words, you open a CD with the bank and they extend a line of credit to you for the same amount. When you make payments, they report it to the credit bureaus.

She’s been quoted in The Wall Street Journal, USA Today, Money Magazine, The New York Times, Kiplinger, Washington Post, Cosmopolitan, Chicago Tribune, Consumer's Digest, Boston Globe, Miami Herald, Atlanta Journal-Constitution, CNNMoney.com, Real Simple, Time.com, Family Circle, Fitness, Women’s Health, Marie Claire, Woman’s Day, Redbook, Women’s Health, Fitness, and much more.


Hybrid loan option: CommonBond offers a unique “Hybrid” rate option in which rates are fixed for five years and then become variable for five years. This option can be a good choice for borrowers who intend to make extra payments and plan on paying off their student loans within the first five years. If you can a better interest rate on the Hybrid loan than the Fixed-rate option, you may end up paying less over the life of the loan.

Excuse me angry person commenting below my comment, I dont feel the need to prove to anyone that my review is genuine, the results im recieving are enough for me however, This is a platform for consumers like myself to share our experiences with other people ACTUALLY looking for credit repair. It honestly seems very odd to me that you targeted all Reliant Credit Repair Reviews and not the Clean Slate ones that seem to have quite a bit of likes and posts. Are you implying that their reviews are fake as well? look i think i speak for everyone on when I say if we want to leave a review about our experience we have the freedom to do so on this platform and if you dont like it please take your negativity elsewhere. Thank you. Ill be posting my review on Google and Yelp with photos for those who want to see my progress -Mr. Masha

Credit utilization is the second most important factor when calculating an individual’s credit score. Simply, credit utilization is how much credit you have used in comparison to how much lenders have provided you. For example, if you have three credit cards with a limit of $3,000 on each card, your total credit would be $9,000. Now, say after a weekend of house decorating, you spent $4,500 on your credit cards – your credit utilization would be 50%. Credit utilization is another facet in which credit holders have complete control over. By landing your utilization in the 25%-45% bracket, your credit score will be optimized.
I have two credit cards, one from a credit union with just over 10% interest and one from Chase with 9.99% interest. I just asked the credit union to increase my credit line to $20k so I can consolidate the two, as I thought it’d be best to keep my credit union account. I have a credit card through Wells Fargo that has an $18k limit, but it’s zero’d out and I don’t use it. Will this hurt my credit score? It’s in the mid-700’s.
You have no real property and want to discharge your debts. While Chapter 13 bankruptcy requires you to reorganize your debts and pay them off, Chapter 7 bankruptcy allows you to discharge debts completely. For that reason, bankruptcy attorney Barry J. Roy of Rabinowitz, Lubetkin & Tully LLC in Livingston, N.J., said Chapter 7 makes sense when you don’t have many assets but desire to discharge your unsecured debts.
Cardholders can benefit from an 0% Introductory APR on purchases for 18 billing cycles and an introductory $0 balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10). Once the intro period ends, there is a 14.99% - 24.99% Variable APR. You can benefit from a $0 annual fee and access to your free FICO® Score.

I to am rebuilding my credit for the past 2-1/2 yrs and to get it past 750 and most recently got added as an authorized user on my moms' credit card (more for using the card in an emrgency on her behalf than rebuilding my credit) and would like to get a possible clarification- If my mom misses a payment or maxes out her credit limit on her card that im a authorized user on, will it impact my score (currently 730)?
Here is a simple test. (This is not 100% accurate mathematically, but it is an easy test). Divide your credit card interest rate by 12. (Imagine a credit card with a 12% interest rate. 12%/12 = 1%). In this example, you are paying about 1% interest per month. If the fee on your balance transfer is 3%, you will break even in month 3, and will be saving money thereafter. You can use that simplified math to get a good guide on whether or not you will be saving money.
Many times people who may or may not require surgery consult a surgeon for advice and forget to gather that second opinion from a non-interested party. Logic would dictate that asking a mechanic if there is anything wrong with a car is probably going to result in a repair and a charge. Sometimes all it takes is that second opinion which can save additional surgeries or costly auto repairs in a world where “extra” expense and unnecessary pain simply do not belong. Fast credit repair companies make it sound simple when it comes time for paying the big upfront fee, but the complications often follow.

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If you pay a charge-off in full, your credit report will be updated to show the account balance is $0 and the account is paid. The charge-off status will continue to be reported for seven years from the date of charge off. Another option is to settle charge-offs for less than the original balance if the creditor agrees to accept a settlement and cancel the rest of the debt.

Introducing your teenager to credit as soon as possible is a great way to get them prepared for all the future credit products they’re bound to encounter in life. Practicing responsible credit behavior with a credit card or even as an authorized user can help your teen establish credit, which is necessary for taking out student loans, mortgages and other credit products. Plus, having a good credit score is key to getting the best rates and terms for credit products.
The State Department FCU Savings Secured Visa Platinum Card is open to anyone, regardless of residence. If you aren’t eligible through select methods including employees of the U.S. Department of State or members of select organizations, you can join the American Consumer Council during the application process. There is no fee associated with joining since State Department FCU pays the $5 on your behalf. There is a rewards program with this card where you earn Flexpoints, which can be redeemed for a variety of options like gift cards and travel. The APR can be as low as 13.99% Variable, which is reasonable considering many secured cards from major issuers are above 23%.
The Sunrise Banks Credit Builders Program, for example, places loan funds into a Certificate of Deposit (CD) for the borrower. The CD earns interest as the borrower repays the loan, which can be withdrawn when it’s paid in full. Consumers can borrow $500, $1,000 or $1,500, and they are assigned a repayment schedule of monthly principal and interest payments. Payments are reported to Experian, Transunion and Equifax.
Consolidating credit cards and leveraging low balance transfer offers has the potential to increase your credit score. But to accomplish this, it’s important to follow a few pointers. For example, for the general population, 30 percent of the FICO® Credit Score is determined by “credit utilization,” which is the amount of credit actually being used.1
This is easier said than done, but reducing the amount that you owe is going to be a far more satisfying achievement than improving your credit score. The first thing you need to do is stop using your credit cards. Use your credit report to make a list of all of your accounts and then go online or check recent statements to determine how much you owe on each account and what interest rate they are charging you. Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts.
It might hurt your score. About 30% of your score is based on the amount of your available credit you use. If, for example, you have a credit line of $20,000 and you owe $10,000, you are using 50% of your available credit — and that will hurt your score. You want that percentage to be below 30 (and below 10% is even better). Your best bet may be to put a small, recurring charge on the Wells Fargo card and automate payment. That way, you will be using a tiny percentage of that credit line (and that is potentially helpful, so long as you pay on time). For more, see
If you have impossibly high interest on those credit cards, then do cancel them. It doesn’t help to have open credit cards if the interest rate makes it nearly impossible for you to get the balance down. In fact, banks currently have hardship programs, where they will reduce your interest rate TO ZERO if you agree that they will cancel your cards. Yes, you wll take an immediate hit on your credit score, but that will quickly improve as you pay down your credit cards, which you can now do because you don’t have those usurious interest rates to pay.
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