you deserve

to have home

You Deserve TO

HAVE A HOME!


It has been our professional experience that you should use or have 3-5 lines of credit that are diverse to grow and establish a healthy credit score. If you need assistance with a plan to grow your score or fix your credit. Take a look at our services,

Large Call to ActOpenSky® Secured Visa ® Credit Card

CREDIT NEEDED

Bad Credit

No Credit

OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years.

  • No credit check to apply and find out instantly if you are approved.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • * View the cardholder agreement

The First Progress Platinum Elite MasterCard® Secured Credit Card

CREDIT NEEDED

Fair Credit

Bad Credit

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)
  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • APR for purchases = 19.99%
  • Annual Fee = $29

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

First Progress Platinum Select MasterCard® Secured Credit Card

CREDIT NEEDED

Fair Credit

Bad Credit

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)
  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • APR for purchases = 13.99%
  • Annual Fee = $39

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

First Progress Platinum Prestige MasterCard® Secured Credit Card

CREDIT NEEDED

Fair Credit

Bad Credit

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)
  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • APR for purchases: 9.99%
  • Annual Fee = $49

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

Credit Strong - Credit Builder Savings Account

CREDIT NEEDED

Fair Credit

Bad Credit

No Credit

  • A Better Way To Build Credit - Build Credit History and/or have an installment account reported!
  • Build Credit - Payments reported to all 3 major credit bureaus
  • No Upfront Deposit - Pay as little as $8.95 to get started today. Monthly Deposit Plan Options: $15, $30, $50, $48, $89, $96
  • When you open your account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.
  • Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service.
  • When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
  • We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.
  • *See terms and conditions on website

Auto Financing and Refinancing

CREDIT NEEDED

Fair Credit

Good Credit

Excellent Credit

Bad Credit

Auto Financing and Refinancing – Average Customer saves up to $2000 or more…


  • 1 Application with up to 4 loan offers in minutes
  • Apply online, 24/7 in the convenience of your home or office
  • Lowest interest rates available – average customer saves $2000 in interest charges
  • Get approved and have financing in place before going to a dealer
  • Refinance and lower your current interest rate and payments or even skip a payment
  • Also offering Private Party and Lease Buyout loans
  • Fast & free - No fees or obligations
  • Private, secure and confidential


Your premier online auto finance and refinance marketplace. Apply now and receive up to 4 loan offers in minutes! Fast, easy and free…

Self Lender - Credit Builder Account

CREDIT NEEDED

Fair Credit

Bad Credit

No Credit

  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self Lender helps you get a small loan that you save in a CD for 12 or 24 months
  • Savings plans start at $25/month and include credit monitoring
  • At the end of account term, you've built credit history and your CD savings unlock

First Access Card (Unsecured Card)

CREDIT NEEDED

Bad Credit


  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application; Checking account required
  • $300 Credit Line (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri, Member: FDIC
  • This program is not currently available in New York or Wisconsin.

Assent Platinum MasterCard® Secured Credit Card

CREDIT NEEDED

Bad Credit

No Credit

  • APR for purchases: 0% Introductory APR for the first six months your account is open, afterward regular APR.
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Annual fee of $49

Rental Reporters

CREDIT NEEDED

Bad Credit

No Credit

  • Your rent payments can improve your credit score. Get what you deserve
  • We report your payments to TransUnion AND Equifax
  • A new tradeline appears on your credit report
  • Look for your score to change within 10 days

Who Would Want To Participate In Our Rental Reporting Program?

  • Rebuilding Your Credit? We can help you rebuild your credit in a matter of days by reporting your last two years’ of on-time rent payments to TransUnion. The addition of this significant payment history will have a dramatic impact on your credit and allow you to move towards credit independence.
  • Want To Establish Credit? We add a new trade line to your credit report that reflects your on-time rental payment history. We add not just your on-time payments but we add the length of your rental payment history. How many years have you been renting a house or apartment? That length of credit history is not part of your credit report.
  • Buying A Home? We add a new trade line to your credit report that reflects your on-time rental payment history. We add not just your on-time payments but we add the length of your rental payment history. How many years have you been renting a house or apartment? That length of credit history is not part of your credit report. Your rent payment history both “thickens” your credit file with positive data that is taken into account and demonstrates your ability to repay your largest monthly obligation……. your rent.

There are 4 simple steps to the rent reporting process

  • Verification of your identity and rent payments: On your application, we need basic information such as your social security number, date of birth, address, and your landlord’s contact information. Your social security number ensures that your rent history is clearly matched with your credit profile.
  • Verification of your rent payments with your landlord: We work directly with your landlord to verify their identity and confirm your on-time rent payments both over the last 24 months, and in the months to come. For a fee of $50 each, we can also verify and report rent payments made to multiple landlords within the past 2 years.
  • Rent reporting to credit bureaus: Equifax and Transunion.
  • Tradeline creation on your credit report: A new tradeline is created on your credit report within 5-7 business days. You receive a notification when this is completed. As you continue to pay your rent each month, more information is added to this tradeline. This is why it is important to keep your subscription paid and current every month.

What Does This Program Cost?

The one-time enrollment fee of $94.95 pays for landlord verification and reporting up to 2 years of rental payment history to the credit bureaus. The monthly subscription fee of $9.95 enables us to automatically verify and report your ongoing rent payments. As with any credit report tradeline, the more months of data, the greater the impact can be on your score.

ROCK The Score Rental Reporting

CREDIT NEEDED

No Credit

  • Do you rent a home or apartment?
  • Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
  • Report the past two years of rent payments for a possible boost to your credit score!
  • Pricing: $6.95 Monthly (Keeps Trade Line Open) - $48 One time set up fee - Optional: $65 Historic Reporting
  • Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It's quick and easy!
  • We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.

NAV Business And Personal Credit Scores

CREDIT NEEDED

N/A

Be loan ready, so you get approved! Personal and business credit scores are the main reason business financing gets denied.


Standard Plan - FREE

  • Full business credit reports & scores: Dun & Bradstreet® - Experian® - Equifax® (Summary Only)
  • Full personal credit reports & scores: Experian® - TransUnion® (Experian Summary Only)
  • 24/7 business & personal credit alert
  • MatchFactor-powered financing marketplace
  • Cash flow alerts & Insights
  • 1-on-1 Access to Credit & Lending Specialists


Business Manager - $29.99/month

  • Full business credit reports & scores: Dun & Bradstreet® - Experian® - Equifax®
  • Full 24/7 business & personal credit alertspersonal credit reports & scores: Experian® - TransUnion®
  • 24/7 business & personal credit alerts
  • MatchFactor-powered financing marketplace
  • Cash flow alerts & Insights
  • 1-on-1Access to Credit & Lending Specialists
  • Dispute errors on business credit reports
  • Full-Service Identity Restoration with dedicated identity specialists
  • $1M identity Theft Protection
  • Follow up to 5 businesses' credit reports
  • Quarterly billing option
  • New! Lost Wallet Replacement


Business Manager - $39.99/month

  • Full business credit reports & scores: Dun & Bradstreet® - Experian® - Equifax®
  • Full personal credit reports & scores: Experian® - TransUnion®
  • 24/7 business & personal credit alerts
  • MatchFactor-powered financing marketplace
  • Cash flow alerts & Insights
  • 1-on-1Access to Credit & Lending Specialists
  • Dispute errors on business credit reports
  • Full-Service Identity Restoration with dedicated identity specialists
  • $1M identity Theft Protection
  • Follow up to 5 businesses' credit reports
  • Quarterly billing option
  • New! Lost Wallet Replacement
  • New! Build business credit with tradeline reporting

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GET THE CREDIT SCORE YOU DESERVE!

Get your FREE consultation today!

© 2022 All Rights Reserved | Payton Credit Services

GET THE CREDIT SCORE YOU DESERVE!

Get your FREE consultation today!

© 2022 All Rights Reserved | Payton Credit Services