You are not a second class citizen
You are an individual that's been through hell, paid the price, and want to begin a new life. The choices you made before are not the choices you're going to make now. You deserve to live a life no different, maybe even better, than anyone else
It will not be easy ( But it's easier than you think)
BUDGETING TOOLS - No more spending as you get it; no more wasteful spending. This doesn't sound like any fun, but how much fun was your financial position in the past? 80% of all divorces and separations find their origin in money problems. Proper budgeting gives you Financial Control. This gives you a life of Financial Freedom. Below are some easy to use tools that can help you get started
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Intuit's online App, MINT, is one of the best tools you can start with. And it's Free! Click on the MINT image to take a look or sign up. Keeping track of personal finances is a must
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Rebuild Your Credit - Below are some of the best 'guaranteed' credit cards. You will place an amount of money in the card's banking system. Your credit line will be equal to the amount you deposit. As you charge, and pay your monthly bill on time, this will be reported to the Credit Bureau, just as if it were a standard credit card. In time, especially if you use two or more of these cards, your credit score will increase dramatically, bringing you closer to the time you no longer have to place a deposit on hold to guarantee payment
Click on the button to see the different credit card options
Click on the button to see the different credit card options
Stay On Top Of Your Credit - We live in a world of Identity Theft, Scams, and Stolen Debit Card Numbers. Monitor your credit scores, receive alerts about any new inquiries, and track your credit score often. Below are the links to the three major Credit Bureaus. They are free, and will show you how you're score is improving. Burying your head in the sand is the quickest way to failure. Know what's going on with your money
"I Can't Open A Checking Account!"
Over 10 Million people in the U.S. do not have banking accounts, many times because of previous problems, unpaid bank fees or overdraft amounts still unpaid. In other words, they feel they can't open another account, or the embarrassment of "I'm sorry, we don't want your account" is too real. To reestablish a secure financial footing, a checking account is a must. Fortunately, there are some major banking institutions that offer 'Second Chance' accounts. Just so you know, a Felony Record has no bearing on opening a bank account. Banks do not do a background check of your criminal history when you open an account. They do, however, do a checking account history, through a company known as ChexSystems.
What does it mean when you are in ChexSystems?
ChexSystems is a consumer credit reporting agency that tracks activity related to closed checking, savings, and other deposit accounts at banks and credit unions. If you've ever had issues with a deposit account, such as a bounced or returned check, it's possible that you might have a ChexSystems profile. Normally, this can prohibit you from opening a checking account. Fortunately, if you know where to look, there are banking and financial institutions that want to help...
ChexSystems is a consumer credit reporting agency that tracks activity related to closed checking, savings, and other deposit accounts at banks and credit unions. If you've ever had issues with a deposit account, such as a bounced or returned check, it's possible that you might have a ChexSystems profile. Normally, this can prohibit you from opening a checking account. Fortunately, if you know where to look, there are banking and financial institutions that want to help...
The Major Banking Institutions That Want To Help You
Second Chance Friendly Banks & Financial Services
WELLS FARGO CLEAR ACCESS CHECKING ACCOUNT - This checking account is recognized as the best "Second Chance" checking account available, eliminating the ChexSystems financial background check. This Second Chance Bank Account protects itself and you, by eliminating one feature, paper checks. It offers every service a standard account offers, such as Debit Card, ATM, Online Banking, Bill Pay, and more. The one exception is the account does not provide paper checks and does not allow ATM Deposits. Deposits must be made in the branch office, or by electronic deposit. Since most or all bills and purchases are handled online today, or by swiping a card, the absence of this feature should have little or no impact on your life. What it does do is allow you to handle your finances in the most responsible and accepted way. Click on the Wells Fargo image to visit their site and get more information
CAPITAL ONE 360 CHECKING - Capital One will pull a ChexSystems report, but unless there is obvious fraud history, a previous history of bounced checks does not affect your acceptance. Capital One has designed this program specifically for people like you. Capital One 360 Checking stands as one of the best checking account for people with bad ChexSystems reports. Boasting a long list of beneficial perks with no annual fee, it’s hard to beat. You’re getting the same account as someone with a clean ChexSystems report -- for no monthly cost. Click on the Capital One image to visit the site and learn more