Our Resources
We've partnered with several reputable companies offering exceptional services to help you achieve your credit goals. You don't need to be a J&S Credit Specialists client to benefit from the affiliate programs listed below. Designed to support you in establishing a positive credit history, each program is tailored to your needs. Click the links below for more details on each program. Click on the links below to access more information about each program.
We've partnered with several reputable companies offering exceptional services to help you achieve your credit goals. You don't need to be a J&S Credit Specialists client to benefit from the affiliate programs listed below. Designed to support you in establishing a positive credit history, each program is tailored to your needs. Click the links below for more details on each program. Click on the links below to access more information about each program.
OpenSky® Secured Visa ® Credit Card
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years.
- No credit check to apply and find out instantly if you are approved
- Get considered for a credit line increase after 6 months, with no additional deposit required
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
- View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
CREDIT NEEDED
- Bad Credit
- No Credit
The First Progress Platinum Elite MasterCard® Secured Credit Card
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No Credit Inquiry Required!
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Receive Your Card More Quickly with New Expedited Processing Option
- Available Nationwide
- APR for purchases = 22.99%
- Annual Fee = $29
- *See all terms and conditions.
Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder’s bank
CREDIT NEEDED
- Fair Credit
- Bad Credit
Merrick Bank Double Your Line® Secured Credit Card
- Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
- Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
- See all terms and conditions on our website.
CREDIT NEEDED
- Fair Credit
- Bad Credit
- No Credit
First Progress Platinum Select MasterCard® Secured Credit Card
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No Credit Inquiry Required!
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Receive Your Card More Quickly with New Expedited Processing Option
- Available Nationwide
- APR for purchases = 16.99%
- Annual Fee = $39
Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder’s bank
CREDIT NEEDED
- Fair Credit
- Bad Credit
First Progress Platinum Prestige MasterCard® Secured Credit Card
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No Credit Inquiry Required!
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Receive Your Card More Quickly with New Expedited Processing Option
- Available Nationwide
- APR for purchases: 12.99%
- Annual Fee = $49
- *See all terms and conditions
Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder’s bank
CREDIT NEEDED
- Fair Credit
- Bad Credit
Credit Strong - Credit Builder Savings Account
- A Better Way To Build Credit - Build Credit History and/or have an installment account reported!
- Build Credit - Payments reported to all 3 major credit bureaus
- No Upfront Deposit - Pay as little as $8.95 to get started today. Monthly Deposit Plan Options: $15, $30, $50, $48, $89, $96
- When you open your account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.
- Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service.
- When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
- We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.
- *See terms and conditions on website
CREDIT NEEDED
- Fair Credit
- Bad Credit
- No Credit
Auto Financing and Refinancing
Auto Financing and Refinancing – Average Customer saves up to $2000 or more…
- 1 Application with up to 4 loan offers in minutes
- Apply online, 24/7 in the convenience of your home or office
- Lowest interest rates available – average customer saves $2000 in interest charges
- Get approved and have financing in place before going to a dealer
- Refinance and lower your current interest rate and payments or even skip a payment
- Also offering Private Party and Lease Buyout loans
- Fast & free - No fees or obligations
- Private, secure and confidential
Your premier online auto finance and refinance marketplace. Apply now and receive up to 4 loan offers in minutes! Fast, easy and free…
CREDIT NEEDED
- Fair Credit
- Good Credit
- Excellent Credit
- Bad Credit
Self Lender - Credit Builder Account
- Reports to all 3 credit bureaus. No hard credit pull and no credit history required
- Self Lender helps you get a small loan that you save in a CD for 12 or 24 months
- Savings plans start at $25/month and include credit monitoring
- At the end of account term, you've built credit history and your CD savings unlock
CREDIT NEEDED
- Fair Credit
- Bad Credit
- No Credit
First Access Card (Unsecured Card)
- Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application; Checking account required
- $300 Credit Line (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Issued by The Bank of Missouri, Member: FDIC
- This program is not currently available in New York or Wisconsin.
CREDIT NEEDED
- Bad Credit
ROCK The Score Rental Reporting
- Do you rent a home or apartment?
- Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
- Report the past two years of rent payments for a possible boost to your credit score!
- Pricing: $6.95 Monthly (Keeps Trade Line Open) - $48 One time set up fee - Optional: $65 Historic Reporting
- Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It's quick and easy!
- We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.
CREDIT NEEDED
- No Credit