Product Reviews

We review the best products in credit building and personal finance.

Second Chance Credit Card with No Security Deposit

Find a Second Chance Credit Card with No Security Deposit

A second chance credit card is designed specifically for people with bad credit. And, fortunately, there are several options available, with some not even requiring a security deposit. Here are our top five picks, including key details like introductory APR, annual fees, rewards, and more, along with answers to frequently asked questions.  Comparison of the …

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Banks That Don’t Use ChexSystems

11 Banks That Don’t Use ChexSystems

ChexSystems is a consumer reporting agency that operates under the Federal Fair Credit Reporting Act (FCRA).  Source: ChexSystems  It’s their job to collect information relating to closed checking and savings accounts where reports may include information on bounced or returned checks, overdrafts, and unpaid balances.  If you’ve had these types of issues in the past, …

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free online checking account no opening deposit no credit check

Best Free Online Checking Account: No Opening Deposit, No Credit Check

During times of financial hardship, it’s easy to damage your banking reputation. Overdraft fees, bounced checks, or involuntary account closures end up in your ChexSystems report, which can prevent you from getting traditional checking accounts. If you’ve made mistakes like these in the past, here’s a list of the best free checking accounts you can …

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Ramp vs Brex

Ramp vs Brex: Which Is Better?

Our Verdict: Since Brex is no longer serving small business customers, Ramp is the better choice for small and medium-sized businesses.  Recently we wrote an article about the five best business credit cards for startups with no credit.  Two of the top cards on that list were Ramp and Brex.  For this post, we’ll take …

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net 30 accounts

22 Net 30 Accounts for New Businesses [Updated for 2022]

These net 30 accounts help you build business credit.  Net 30 accounts are a form of business credit that lets you pay off your invoices 30 days after your initial purchase. A net 30 vendor may report your account usage to the major commercial credit bureaus, helping you build business credit. We’ve compiled the most …

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Tier 1 Business Credit Vendors

Tier 1 Business Credit Vendors [Updated 2022 List]

When you have a small business and are trying to establish a business credit score or build good business credit, opening tier 1 business credit vendor accounts is essential.  These vendor credit accounts are great for building business credit, and they can help you improve your cash flow.  We have thoroughly researched and have determined …

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Best Credit Builder Loan

6 Best Credit Builder Loans for 2022 [No Credit Check]

Credit builder loans are still somewhat new. But they’re definitely not all the same in quality and price. We analyzed the nine most commonly searched for credit builder loans on the market, then compared them based on a variety of factors including minimum monthly payment, term length, loan amount, and more. The Best Credit Builder …

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Credit Card Alternatives

The Best Credit Card Alternatives in 2022

Credit cards fulfill three primary functions: facilitating transactions, building credit, and providing a revolving credit account. The best credit cards also generate rewards that you can use to discount your purchases. For those who can’t get a credit card or don’t want one, we’ve put together a list of credit card alternatives that fulfill those …

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