I went through some hard financial times a while back. I got behind on my credit cards and other bills, which were all charged-off and turned over to collection agencies. Plus my bank account was closed and I was placed into "chex systems," (the banks' way of blacklisting you from getting a checking account).

It was basically impossible to get new credit. After being rejected a bunch of times for a credit card, I decided to get an Account Now Visa Card because there was no credit check.

AccountNow - Prepaid Visa Card

Plus the Account Now Visa Card helped me re-establish my credit history because it reports the account to the credit reporting agencies.

Having a Visa Bank Card Helped Improve my Credit Score!

Credit Score Chart

It is nice knowing that I am building positive payment history each month. Here are statements from the major credit bureaus about how a credit card such as a Visa or MasterCard can raise your credit score:

"If your credit is severely damaged, there are still ways to improve your credit worthiness. Consider opening new accounts responsibly and paying them off on time...As a general rule, the longer you pay your bills on time, the better your score." - Equifax Credit Bureau "Lennders usually view credit histories with a bankcard...(such as a Visa or MasterCard) as very good indications of how responsible you are in paying your debts." - Experian Credit Bureau "Lenders are able to better evaluate creditworthiness of those with open bank credit card accounts..." - Transunion Credit Bureau

I enjoy going online each month to see my credit improve. My score is currently 707, which is above the national average.

Here is a copy of my current credit score:

My Current Credit Score - 707

The Account Now Visa Card was a great solution since I was able to get approved even with damaged credit.

I recommend this Visa Card for anyone looking for a credit card even if you have damaged credit.

Apply Here - AccountNow Visa