If you are having problems getting a credit card due to poor credit, then consider a prepaid credit card. There are several prepaid credit card services to consider. A prepaid credit card is not a credit card. Unlike a credit card, you deposit money on your card before you make purchases, so you can choose just how much to spend. Since you’re not borrowing money, there are no credit checks, interest charges or late fees!

Prepaid credit cards require you to have a funded account which is debited when you use your credit card. Sort of like a bank debit card. However, using a prepaid credit card can help with your credit rating over time. Below we have listed the best prepaid credit card deals for you to consider.

AccountNow offers a prepaid MasterCard credit cart. This is great alternative in cashing your pay checks instead of paying 3%-5% of every paycheck to a check cashing service you can easily deposit your paycheck and pay bills for free with your AccountNow prepaid account. AccountNow allows you to have your employer directly deposit your paycheck into your AccountNow prepaid account each pay period. This eliminates trips to the check casher and stop waiting in line.

Your AccountNow prepaid account comes with a MasterCard prepaid card. Make purchases all over the world everywhere MasterCard debit cards are accepted and access cash at over one million ATMs worldwide. You can also use AccountNow free Online Bill Pay and free Credit Builder and they’ll help you build your credit worthiness by reporting your payment history to PRBC, a national credit reporting agency.

Ready Visa debit cards are accepted worldwide at any business that accepts the Visa credit card. You can also use the Ready debit card to withdraw from any ATM that displays a Visa, Interlink, or NYCE acceptance marks. You can withdraw up to $500 per day using an ATM and $2,500 per day from a bank teller. The company charges very low fees.

To fund your account the best way is to sign up for direct deposit. With the Ready debit card you’ll avoid check cashing fees. The total balance on your READY debit Card cannot exceed $10,000 at any time. You can check your account online or by calling a toll free number. Ready also offers an online bill pay service that allows you to pay anyone online. If the recipient can’t take online funds, Ready will print a check and mail it to them.

Protecting your identity and credit in today’s world is extremely important. Your credit tells people about your character. Whether you are purchasing a car, a home or even applying for a job, your credit most likely will be checked to determine your character. Your credit score answers the question, “Are you the type of person that takes care of your personal and financial business?”

Unfortunately, many people only check their credit occasionally. By the time they find out there is a problem it’s way too late. They then have to go through the pain staking process of fixing the problem which also can be expensive. In some instances, they have to hire a lawyer or company to fix all the problems created by the criminals who stole their information.

Fortunately, there are several services that will monitor your information to alert you if there is a problem. The faster you find out, the faster you can stop the criminals from destroying your good name. Below we have listed a few companies who charge a nominal fee to instantly alert you should someone try to steal your identity or personal information such as your credit card or bank information.

LifeLock offers a proactive identity theft protection to protect your identity and personal information for only $10 a month. They guarantee their service up to $1,000,000. You may have seen their advertisement with their CEO showing his social security card number. LifeLock also offers identity theft child protection.

Equifax is one of the three personal credit rating companies (Experian and TransUnion are the other two) who offer a credit monitoring to protect you from fraud by monitoring and automate alerts. You can get alerts via e-mail and cell phone. Equifax offers a 3-in-1 Monitoring which makes it easy for you to monitor all 3 of your nationwide credit reports by alerting you within 24 hours of key changes.

TrustedID provides consumers with resources to manage and protect credit and personal information, and who has accessed the information. TrustedID helps family protection for unlimited adults and children, provides proactive scanning for personal and financial information, protection of medical identity, reduction of junk mail, warranty protection of $1,000,000 and free annual credit report.

Privacy Matters is a provider of credit management, identity theft protection and family safety products and services. The company has been around since 1998 offering credit reports and identity fraud reports.

Privacy Matters offers Privacy Matters 1-2-3 which lets members view and monitor their financial/credit information via their home computer and the Internet. Members have unlimited access to 3-in-1 Credit Reports and Scores from TransUnion, Experian and Equifax.

The company also offers Privacy Matters Identity which is a personal identity theft protection program. New members receive a free personalized identity theft security report to help assess their personal risk of becoming a victim of identity fraud and begin to take preventive measures to reduce their chances of becoming an identity theft victim. For ongoing identity theft protection, automatic ID theft monitoring scans thousands of public and commercial data sources and alerts members by email of potential evidence of identity theft.

Related Article: Why Companies Offer Free Credit Reports

According to the Federal Fair Credit Reporting Act (FCRA), credit bureaus must investigate and verify, upon request, the completeness and accuracy of information on your credit reports. The FCRA provides consumers the legal right to dispute inaccurate, incorrect, or misleading information on their credit reports.

Credit bureaus are given 30-45 days to investigate a credit dispute. If the bureaus determine they’ve been reporting inaccurate information, or if they are unable to verify the item, they either correct or remove the item in dispute. The bureaus then supply the consumer (you) with updated account information, usually in the form of new credit reports.

There are companies that will help you navigate the laws in order to increase your credit score. Credit repair companies will complete the necessary paper work to report information that is inaccurate with the goal of having it removed. Removing negative information can increase your credit score significantly.

There are a few services online that you can use to repair your credit. Below we have listed a few of them.

Ovation offers a personalized and proven credit repair program that will get you results. You can sign up online which only take a few minutes. Ovation can help remove or improve questionable items on credit reports which includes late payments, collections, charge offs, bankruptcies, inquiries, judgments, liens, repossessions, foreclosures, identity theft, fraud, and incorrect personal information.

Lexington Law is a law firm that has been around for 17 years that specializes in credit repair. They has served thousands of clients since 1991. Lexington Law works closely with credit bureaus and creditors to help clients clean up their credit. The process is simple; you give Lexington Law all the information they need, you then sit back and relax and they will go to work for you.

Veracity helps consumers decipher credit reports and choose which information should be disputed. Veracity’s specialists have analyzed thousands of reports, and they can quickly help you identify areas of potential concern. Whether you’re dealing with duplicate information, paid accounts that still show as unpaid or a collection account that keeps “resetting” the date of last activity. Correcting such problems can increase your credit score dramatically.

If you are tight on cash and even if you have bad credit, you can get cash fast for emergencies. There are numerous payday services online and at your usual brick and mortar stores. However, the Internet allows you to quickly and easily shop around for the best deal.

Payday loans, also called “payday advances”, “cash advances”,” instant cash loans”, “payroll advances” or “paycheck loans” are short-term loans that can be taken against your future paychecks.

Most online cash advance loans require no faxing. Most require just filling out an online application for instant pre-approval. Most will deposit the money into your bank account the next day. But remember, these companies are in the business of making money. When your loan payment is due, a finance charge will be automatically debited from your checking account unless other payment arrangements have been made.

It’s imperative that you consider these loans to be short-term. The faster you pay them back, the fewer fees you will be charged. Consider these loans only for short term debt problems. If you will not be able to pay them back quickly, you may want to first consider borrowing money from family or friends. If that’s not an option then payday loans may work for you.

Below we have listed several reputable payday loan services to consider:

Paychecktoday.com requires no faxing to apply and a decision is made within 30 seconds of submitting your application. Loans are not available to residents of Georgia, Kansas and West Virgina. If you are approved for a loan, the money will be deposited into your registered bank checking account the next business day. This assumes the transaction was completed during before the close of business that day.

OnlineCash911.com takes your information and sends it to several loan lender for review for approval or denial of requested loans. OnlineCash911 payday loan service increases your chances of getting instant. Instead of visiting multiple payday loan websites, you can use this service to apply to multiple companies at once.

You can lower your insurance by comparison shopping! Enter your zip code below to get a list of insurance providers in your area, then comparison shop. More than likely, you will receive a lower quote than what you are currently paying!

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