The Most Complete Credit Repair Services Available

OpenSky® Secured Visa ® Credit Card

• New feature! Earn up to 10% cash back on everyday purchases
• No credit check to apply. Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Over 1.4 Million  Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

OpenSky® Plus Secured Visa® Credit Card

• New feature! Earn up to 10% cash back on everyday purchases
• No annual fee
• No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Monitor your credit progress with free access to your FICO Credit Score.
• Reports to all 3 major credit bureaus monthly to establish and build credit history.
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Secure your credit line with a refundable security deposit – as low as $300.
• Easy application, apply in less than 5 minutes right from your mobile device
• Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
• Now you can make smaller partial payments towards funding your security deposit over 60 days
• Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

The First Progress Platinum Elite MasterCard® Secured Credit Card

• No Minimum Credit History or Credit Score Required!
• Applying is Quick & Easy with Our Secure Online Application.
• If Approved, Pay the Refundable Security Deposit Between $200 – $2,000 to Open Your Account.
• First Progress Reports Monthly to All 3 Mayor Credit Bureaus.
• Accepted by Merchants Worldwide and Online.
• Manageable Monthly Payments.
• APR for purchases: 25.24%
• Receive Your Card More Quickly with New Expedited Processing Option.
• Annual Fee = $29
• Manage Your Statements, Transactions and Rewards on the Go with the First Progress Card Mobile App!
• See Important Disclosures for Additional Information on Rates, Fees and Other Cost Information.

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder’s bank. 

Merrick Bank Secured Credit Card

• 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

GreenLight® Debit Card & App For Kids

• Teach your kids how to learn manage money, set savings goals, and spend wisely!
  • Greenlight celebrates smart money management by rewarding kids with up to 1% Cash Back and 2% on their Savings balances.*
  • Send money to your kids — anytime, anywhere.
  • Get real-time notifications any time the card is used.
  • Create in-app chore lists and tie the work to perks.
  • Allowance on autopilot.  Weekly or monthly, you can set it and forget it.
  • Personalize your kids’ debit cards. Selfies rule.

  Frequently Asked Questions (more on website)

  Is there a minimum age?  We support kids and grownups of all ages. No minimum (or maximum) age here.

  How much does it cost?  Greenlight plans start at $4.99 per month and include debit cards for up to five (5) kids. Your first month is on us, and you can cancel at any time. See our Plans page for more.

  What do I need to sign up?

  • Your email address
  • Your mobile phone number
  • Your child’s/children’s name(s)
  • Your legal first and last name
  • Your physical address
  • Your date of birth
  • A valid debit card or bank account
  • Your Social Security number (SSN). For information on why we ask for your SSN, learn more about the U.S. Patriot Act.

  Where is the card accepted?  The Greenlight card can be used almost anywhere Mastercard is accepted, online and in-store. “Almost,” because our cardholders are kids, and we’ve put important guardrails in place. Greenlight also works internationally in 150+ other countries, with no foreign transaction fees. No need to let us know if you travel abroad — you’ll have enough to remember.

  Is Greenlight safe?   Greenlight blocks ‘unsafe’ spending categories, sends real-time transaction notifications and gives parents flexible ATM and other spending controls. We also provide additional layers of protection to our families in the form of face or fingerprint recognition and the ability to turn your card on or off directly in the app. Greenlight debit cards are FDIC-insured up to $250,000, and come with Mastercard’s Zero Liability Protection.

  *see all terms and conditions (click apply now to view)

Kovo Credit Builder

• Give yourself the credit you deserve. Sign up to build your credit easily with small monthly payments. Instant approval, no credit check, and no hidden fees. Plus, earn up to 1% on featured loans! The ideal alternative to secured credit cards.
   
  Incredible value:
  • Your payment performance is reported monthly to TransUnion®, Equifax®, Experian®, and Innovis®.
  • Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo.
  • Lower your monthly interest payments when you have a higher credit score.
  • Better credit makes owning a car and home possible, with higher odds for approval.
  • Get your FICO® Score and see your credit score journey progress every month.

  How it works:

  1. Build with Installments: pay $10/month over 24 months.
  2. Learn with Courses: pick up useful skills.
  3. Earn with Rewards: up to 1% back on eligible loan offers.

  Key features:

  • Flat monthly rate
  • Instant approval
  • No credit check / no hard pull
  • No bank account needed
  • $0 security deposit
  • $0 setup/admin fees
  • $0 annual fees
  • $0 late fees
  • $0 prepayment fees
  • 0% APR

  Requirements:

  • You must be at least 18 years of age
  • You must have a valid U.S. Social Security Number

  Available in all 50 states.

Credit Strong – Instal & Revolv

• 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