Guaranteed Mastercard

Guaranteed Mastercard

Vaya Card is not a traditional credit card or a bank account. It's different. Since it's PREPAID, you load money on to your Vaya Card and then have the flexibility to spend the funds as you see fit.

Use it to shop online, travel or budget your expenses, all with the security of the MasterCard Zero Liability Policy. Additionally, Vaya Card gives you great tools like text message alerts sent right to your cell phone so you're always in control. Best of all, approval is guaranteed:*

• No Credit Check
• No Bank Account Required
• No Employment Verification Required
• No Minimum Balance Required

Vaya Card combines the strength of the MasterCard brand with cutting edge account management tools.

Vaya Card is accepted at millions of merchant locations worldwide and give you cash access at any ATM with the MasterCard® or Cirrus® brand. You can also use our online BillPay feature to automatically pay your bills each month.

Credit Report Scores - Computing Then

Your credit report scores are based on factors that appear in your credit reports:

• Bill payment history (Good: on time and for the full amount)
• Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
• Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
• Length of credit history (Good: 3 or more years of on time payments)
• Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

• Personal details such as sex, marital status, age, race, national origin, or because you receive public assistance income
• Sources of income such as regular alimony, child support, or separate maintenance payments

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.

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Link text:	Credit Report Scores - See and Improve Them
Description:	Credit report scores affect your ability to get a loan, buy a home, and even get a job. Find out how to see and improve your score.
Link to:	http://www.credit-report-scores.us