No Credit Credit Cards No Security Deposit No Credit Checks No Fees No Signup Fee

What Credit Cards do I Qualify For?

Free Credit Search is a completely FREE web-based resource for credit card seekers. We provide real-time unbiased information to help you make informed decisions about your credit. By filling out our credit profile you can find out which banks will approve you BEFORE applying!

All information submitted on the application profile will be used to conduct a search of lending institutions which are willing to issue you a credit card(s) based upon your current credit, income and employment.

You must be 18 years of age or older and a citizen or permanent legal resident of the United States with a verifiable permanent U.S. home address and a valid social security number. You must reside within the continental United States including Hawaii and Alaska.

When you use our service, you will receive FREE results with the following information:

Your no obligation FREE results will be available within minutes of submitting your application. We will not pull a credit report to complete this search. Your results will be emailed directly to you after your search is complete.

ChexSystems Problem?

The ChexSystems is a network of banks and credit unions that share information about mishandled checking and savings accounts. This information is used to help member banks and credit unions determine their credit risk in opening a new account for potential customers.

Like a credit bureau, the ChexSystems

• Receives data from member institutions
• Maintains the data for 5 years or until it must delete the data according to law, and
• Distributes data to member institutions.

Member financial institutions then use that data to evaluate their risks for new accounts.

If you have been rejected for an account in the last 60 days you are entitled to a free copy of your personal ChexSystems consumer report. You can do this online at the ChexSystems Help website.

If your report shows negative items that you have already cleared up you should contact the financial institution reporting the problem. Ask them to notify ChexSystems that the problem item is closed.

To dispute other items on your ChexSystems report, submit a letter indicating why the item should be corrected or removed to:

ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125

How to Overcome Your Trouble with ChexSystems Banks

Yes, you can get direct deposit, a MasterCard card, and all the benefits of checking. All with NO ChexSystem hassle.

Enroll in First Vineyards unique cash back and referral program and start earning $25, $50, $75 even hundreds of dollars in compensation every month. Unlike credit card reward programs, anyone can participate regardless of credit history. Just use First Vineyard anywhere MasterCard is accepted and tell your friends and family - it's that simple. Qualify to earn 1% cash back on your own spending, plus refer others and receive a $25 bonus and compensation on their spending. This makes First Vineyard the most powerful and rewarding incentive card on the market.

First Vineyard MasterCard Card Features:

• Guaranteed Approval Stored Value MasterCard
• Use anywhere MasterCard® or Cirrus/Maestro is accepted
• Access cash at 1 million ATMs worldwide
• Receive cash back at the point of sale (grocery or c-store)
• Online bill payment included
• Card2Card transfer capability
• Direct deposit payroll and government benefit checks
• Add cash at 50,000 retail locations nationwide
• Powerful online card management tools
• Toll-free account information line (real-time transaction history, balance, also includes built-in calling card feature, and bill-pay capability)

First Vineyard Member Benefits:

• Receive 1% cash back on personal spending - paid monthly
• Refer others and receive compensation on their spending - paid monthly
• $25 cash bonus on every new member personally referred - paid daily
• Benefit from First Vineyard Company marketing

Find Banks that Do Not Use ChexSystems

What You're About to Learn:
How to get a new checking account if you are currently listed in ChexSystems. We keep a freah updated list of over 100+ FDIC Insured Banks nationwide that have been known to give checking accounts to people in ChexSystems, complete with contact information. Many have online applications and offer Visa Check Cards and/or ATM Cards.

Show me the Non-ChexSystem Banks now.

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.

If you've found this site useful, please link to it so that others can benefit. Use the following in your link:

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