Credit Manual 2006

Please Note: As with all companies and information, policies frequently change, and old information is deleted while new information arrives. If any link or company is not providing the service below as stated or promised, please except my apologies. I would appreciate if you would take the time to send me the information of which company no longer participates in this program to the following email address, this will benefit others: ekellink@aol.com Remember all updates are free and your time and assistance is greatly appreciated in this matter.

Credit Manual 2006

BEST UNSECURED VISA OR MASTERCARD AVAILABLE TO THOSE WITH BAD CREDIT:

Click Here for All Credit Card offers With Bad Credit

NO SECURITY DEPOSIT REQUIRED FOR THESE CARDS DESIGNED TO RESTORE CREDIT.

MINIMUM QUALIFICATIONS TO BE MET:

18 YEARS OF AGE? INCOME OF $18,000 OR MORE? CURRENT RESIDENCE AND EMPLOYMENT 1 YEAR? VALID SOCIAL SECURITY #?

We suggest you apply for the credit cards in the order they are listed. If your credit is REALLY HORRIBLE - Preloadable Cards that report, #1), but at least check out every offer in order first to see where you best qualify. God Bless you efforts in Jesus Name.


1. Brand New Credit Card - All Accepted - The Wired Plastic

2. New Bad Credit Mastercard ***Orchard Bank Card**** have this card!

Click to apply on line!

3. First Premier Bank - FIRST PREMIER BANK P.O. BOX 5144 SIOUX FALLS, SD 57117 1-800-825-8472

4. CAPITAL ONE P.O. BOX 85609 RICHMOND VA 3285-5609 1-888-332-9825 ****Receive a Credit Line up to $400 for a deposit as low as $49!***Great Card! Click on the Banner Below! (have this card)

Click here to apply for a Capital one Card online

5. CROSS COUNTRY BANK P.O. BOX 15188 WILMINGTON, DE 19885 1-800-252-1159 (GOOD STARTER CARD WILL INCREASE YOUR LIMIT AFTER 3 MONTHS OF GOOD CREDIT HISTORY WITH THEM - HAVE THIS CARD) Click here for an online application http://www.crosscountrybank.com

6. OAK BROOK BANK 1400 16TH STREET OAK BROOK, IL 60521 1-800-536-3000 - SORRY NO BAD CREDIT OFFER - NO CREDIT OK THOUGH

7. AFCA 1-303-980-5806

8. NBCA 1-800-675-9357

9. CRESTAR BANK 1-800-368-7700 - SORRY NO BAD CREDIT OFFER - NO CREDIT OK THOUGH

10. HOME FEDERAL CARD PROCESSING 1-916-672-7700

11. PROVIDIAN VISA CLASSIC P.O. BOX 7453 SAN FRANCISCO, CA 94120 HAVE THIS CARD.

Click here to apply for a providian visa or mastercard

12. FIRST CONSUMERS NATIONAL BANK 1-800-876-3262

13. Merrick Bank - Click here to apply on line http://www.merrickbank.com

14. Security Bank P.O. Box 629002 El Dorado Hills, CA 95762-9941 1-916-605-1106

15. Bankfirst 1-800-839-6641 New online card with slow credit

Click here for Bankfirst online application with slow credit



OTHER CREDIT CARDS TO RE-ESTABLISH CREDIT:

1. First Bank of Marin!

FIRST NATIONAL BANK OF MARIN P.O. BOX 95010 HENDERSON, NV 89009- 5010 1-702-269-1100


INTERNATIONAL SECURED CARD:

Being Updated


Credit Worthiness and Practice:

Many of these credit cards have high fees setup (one time fees) and high interest rates because of bad credit individuals being a high risk. These cards are to be used to prove yourself worthy of being a good steward with your money and finances once again. If you abuse these cards it will be very difficult for you to obtain credit again.

Pray - Ask Jesus to please help you be a good steward of that which he entrusts you. Remember the parable of the talents in Matthew 25:14-30. Here are some of the scriptures from the one servant that did good. "And so he that had received five talents came and brought other five talents, saying, Lord, thou deliveredst unto me five talents: saying, Lord, thou deliveredst unto me five talents: behold, I have gained beside them five talents more. His lord said unto him, Well done, thou good and faithful servant: thou hast been faithful over a few things, I will make thee ruler over many things: enter thou into the joy of thy lord.

My suggestion to you, is get one of these cards based on your credit. Then while enjoying the use of your new subprime credit card (while building credit), work on cleaning up your credit file with the suggested form letters and negotiations with your creditors. Then after about six months to a year apply for a new credit card with good credit and transfer your balances. As your credit continues to improve over time, negotiate interest rates with all of your creditors. Finance companies and credit cards will drop your interest rate as your credit continues to improve because you become little risk to them and your business is more valuable. Have businesses compete for your business as your credit improves. Unfortunately, on the flip side if your credit score decreases you will see interest rates on your cards and loans increase because you become more of a risk.

My last suggestion is DO NOT OVEREXTEND YOURSELF! Even if you pay all of you payments ontime and never late, if you max out your credit cards and loans then you will significantly lower your credit score. Prepare yourself a budget and stick to it. Prepare a list of your fixed costs such as tithes (10% of income) and offerings (5% of income and up), rent, car payment etc. costs that don't change from month to month. Then prepare a list of variable costs - electricity, gas, water, phone, cell phone, entertainment that do change from month to month. If your income decreases you must cut back on your variable costs first and pay your fixed costs which are usually the necessities.

Our company does not recommend getting into more credit to take care of life's expenses (rent, other credit - unless to consolidate at a better interest rate, car, water, electric, phone, etc.). The greatest recommendation we can offer is getting a better job from the websites provided in our manual. This manual is designed to build credit to existing customers with low credit scores, bad credit or no credit persons who are in a position to now improve their credit or make amends - meaning they have a good job. A loan or credit card is not the answer to pay everyday expenses of life. Paying Tithes faithfully (10% of income) and offering to the Lord will always bless you financially. Jesus will then open doors to accommodate your need as the bible promises. In most cases he will give you a raise or a new higher paying job. Please refrain from taking a loan to pay for example "the electric bill." You are just setting yourself up for a trap and credit bondage. This kind of thinking will lead to further depression and you are opening the door for the devil to get the best of you. The true solution to this situation is a higher paying job to meet your need, gained through blessing Jesus with your earnings. The Bible says in Proverbs 3:9: "Honor the Lord with thy substance, and with the first fruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine." This means give him the 10% of your gross pay before you even pay any bills, it doesn't matter what your situation looks like. Trust in Jesus to take care of all the rest. Exercise your faith and believe in him, he will not fail you. He promises. "Trust in him and lean not to thine own understanding" (Proverbs 3:5). I'm not speaking as to preach but to lift up your faith from experience.

If you need assistance on obtaining employment to get your finances under control and you income go up. Here are a few websites that have helped many obtain employment. Plus you can always promote our site to make extra money. Who knows maybe to the Lord will bless you with a steady income from the internet so that you may become self-employed. Amen.

Monster.com

America's Job Bank

4Jobs.com Links below!

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