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Capital One Platinum Secured Credit Card No annual fee Qualify with limited/bad credit Reports to all 3 credit bureaus Higher credit line in as little as 6 months with no additional deposit needed Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges No one-time fees No Monthly fees Requires minimum deposit starting at $49, $99, and a $200 initial credit line Reports to all 3 credit bureaus REFUND DEPOSIT PROCESS: Capital One Platinum Secured deposit refunds are sent to you as checks in approximately two billing cycles. If you have an unpaid balance or owe any fees, Capital One will deduct the amount owed from your deposit refund. Capital One may also refund a secured card deposit if the card graduates to an unsecured card. Periodically reviews accounts and upgrades select Capital One Platinum Secured accounts to unsecured credit card accounts. In case of credit card graduation, your deposit refund will be credited directly to the unsecured card account within two billing cycles. Keep in mind that if your Capital One Platinum Secured account is eligible for graduation, you will be notified by either email or regular mail. Discover it® Secured Credit Card No annual fee No Monthly Fee No one-time fee Reports to all 3 credit bureaus Qualify with limited/bad credit Earns rewards and cash back New cardholder bonus offer Requires a minimum deposit of $200 REFUND DEPOSIT PROCESS: Make 6 consecutive months of on-time payments Maintain good status on all your credit accounts for the same 6 consecutive billing cycles. Get your security deposit back and get upgraded to a standard, unsecured card. Your account number, rewards, and benefits stay the same. Credit One Bank® Platinum Visa® Qualify with fair credit. 1% cash back on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services. Reports to all 3 credit bureaus. Comes with the Credit One More Rewards program, an issuer-offered program that can help you boost your cash back. While they do charge an annual fee, they also offer cashback rewards and regularly review your account for credit limit increases. Requires a soft pull on your credit. Requires a minimum deposit of $300. REFUND DEPOSIT PROCESS: Typically, you’ll get your money back once you’ve closed the account and any outstanding balance has been paid in full. You should also get your deposit back if you convert your secured credit card to an unsecured card with the same card issuer. The precise timing and terms of when, if, and how your security deposit should be refunded should be spelled out in your cardholder agreement. But don’t expect to get your deposit back if the card issuer closes your account for nonpayment and has to use the deposit as payment. I In that case, the card issuer will likely close your account, you’ll lose your deposit, and your credit score will probably take a hit. You will have also squandered an opportunity to build a positive credit history, which, as mentioned, is one of the main reasons to get a secured credit card in the first place. OpenSky® Secured Visa® Credit Card No Hard Inquiries Qualify with limited/bad credit No intro APR Reports to all 3 credit bureaus Low APR of 22.39% The higher limit of up to $3,000 (by matching with a deposit), makes it easier for cardholders to keep their credit utilization ratio low. Requires a minimum deposit of $200 REFUND DEPOSIT PROCESS: OpenSky will refund your money within 4 to 8 weeks after you close your account and pay off your balance. As secured credit cards The OpenSky® Secured Visa® Credit Card and OpenSky® Plus Secured Visa® Credit Card require a security deposit to cover any balance you don’t pay off. If you pay off your balance completely before closing your account, your full deposit will be returned to you via mail. If you close your account with a balance remaining, the deposit will be used to pay it off and you’ll only be refunded for what remains. Both cards also offer the option to get your deposit back if you graduate to an unsecured OpenSky® Gold Card, which you can become eligible for after six months of on-time payments. Indigo Mastercard (Unsecured) No one-time fees No annual Fee (Depends on creditworthiness) No Monthly Fee 1% Foreign Fee No security deposit Reports to all 3 credit bureaus Requires soft inquiry REFUND DEPOSIT PROCESS: The issuer will assign you one of three possible annual fees: $0, $59, or $99, with the third pricing tier starting at $75 in your first year and increasing to $99 per year after that. Your credit score ultimately determines your annual fee, and Indigo doesn’t specify in the cardholder terms whether your annual fee will change as your credit score changes.

The short answer is Knowledge and Time. We offer a “Do It Yourself” program to assist those that would like to spend the time to learn the process. However, unlike the average person, credit repair companies are equipped with a special set of skills and consumer credit knowledge. They know how to utilize federal consumer protection laws to assert and uphold your rights. They also know what to do if a creditor substantiates what they report about you to the credit bureaus. Unless you are prepared to spend hours learning the necessary credit repair steps, seeking a qualified advocate may be a better solution. An advocate with a proven track record will help you handle the details of fixing your score in the right way.

Honest, professional, and courteous customer service. Expert guidance from very experienced professionals in the industry. Great communication and a use of multiple strategies to get the best results.

The FTC found that 4 out of 5 consumers have inaccuracies on their credit reports that caused them to be denied for credit or granted credit at an unfavorable interest rate. Any negative item (collections, charge-offs, foreclosures, bankruptcies, repossessions, late payment indicators, student loans, judgments, tax liens, child support, inquiries, and/or personal data) that is questionable, inaccurate, outdated, misleading and or unverifiable can be legally and permanently removed from a credit profile.

On average, the process can take 3-9 months. We have experienced clients successfully graduating our program within 1 to 2 months and have also experienced clients being serviced 9 months. A portion of your success is determined by your level of involvement and engagement in the process.

Absolutely. You are entitled to 100% refund of your initial investment contingent upon all obligations having been met and for some reason are met and for some reason our efforts do not result in having any of the derogatory items from each one of the three bureaus (Experian, Equifax, Trans Union) removed. We understand that there is a chance that you may have tried this once or twice before. We want to make this your last stop.

No two credit reports are the same. We must do a credit consultation and evaluation. We don’t take on every client. Don’t get discouraged, it’s very affordable. During our no-cost credit evaluation and consultation, we’ll determine your potential success in utilizing our services. We can then give you all your options to complete the program.

CKEXPERTS offers debt negotiation services through the CKEXPERTS Cost Savings Program. Once we have exhausted all our processing methods, or you have received validation for any of the credit items on your credit report, our experienced Account Managers will be able to assist you with the negotiation process. For more information you may reach our Negotiations Team us at 1.800.484.7812.

We specialize in First Time Home Buyers in the real estate market. We offer preliminary pre-qualifying services so you can understand how much you can potentially be approved for before having the mortgage lender run your credit reports. We also assist with helping you understand the many steps needed to get your loan approved through underwriting so you can have a successful home closing. We love our newbies to home ownership and we provide a CLOSING GIFT once our clients close on their home.

There are far too many factors that make up the credit score; so it is impossible to give you an accurate prediction of how much your credit score will increase. One of the most common causes of score decreases is late payments. We strongly urge you to be sure to pay your monthly obligations before the due date to not incur any new late payments. We also support you by sending you a FREE Smart Timer to keep track of your monthly bills. In summary, provided that you continue to pay your bills on time, take the proper steps that we advise you to in rebuilding your credit, combined with the results of our processing of your negative items is a formula for a great positive impact on your credit profile.

Certainly. CKEXPERTS understands communication is key and a vital part of your success. Most companies wait for you to call and don’t really want to hear from you. At CKEXPERTS, the experience is the opposite. We LOVE to hear from you. We will be reaching out to you very often to simply check in and we will follow up with you periodically for credit report reviews and analysis. We expect and want you to reach out to us in the event you have a question or get loss or discouraged on the way. We can assure you; we will not let you down or leave you disappointed.

In addition to our check ins and follow ups with you, you have a portal to log in and track the progress of your file. This will be available for you 24/7 and will display your success throughout the program.

CALL US AT 1.800.484.7812

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