Guaranteed Visa Or Mastercard

Credit Report Scores - Who Determines Them?

There are three major credit reporting agencies: , , and .

Each of these credit reporting agencies receives information from credit grantors such as credit card companies, stores granting credit, mortgage companies, and banks. They compile your credit history and compute your credit report scores.

They provide your history and credit report scores to others who have a genuine interest in your credit worthiness.

Guaranteed Visa Card

The HIPCASH Visa® Card is accepted at over 28 Million Locations Worldwide. At any location where you see the Visa® logo and can be used for making purchases over the phone, on the internet or in person.

The HIPCASH Visa® Card is accepted at over 800,000 ATM machines and you can obtain cash advances anywhere you see the Visa® and or CIRRUS® logos displayed.

Money can be loaded to the card 24 hours a day 7 days a week by visiting our web-site or calling our toll-free customer service line. We can also set up automated deposits to your card through transfers from your bank account or direct deposit from your paycheck

• Perfect for all your friends and family.
• Toll-Free Phone Support.
• Online and Offline Access.
• Take your card from Job-to-Job.
• Direct Deposit from your Employer.
• Low cost fees.
• Store your Money Safely.
• Easy to Purchase (POS).
• 24/7 ATM Access to Funds.
• No Credit Check or Bank Account Required
• No Security Deposits
• No Employment Verification
• Keep your Money safe - No more need for Money Orders or walking around with cash in your Pocket
• Pay your bills over the phone
• Set up Automatic Bill Payments from your Visa®
• Eliminate check-writing hassles
• Avoid late-payment fees
• Save postage costs and time
• You cannot overdraft the account. There are no late fees or interest charges.
• 24 X 7 On-Line Account Access

Get all the HIPCASH Visa details now!

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 - How to See Them

Each of the three credit reporting agencies can provide you with a one-time copy of your credit report. Equifax, Experian, for example, will provide your report online for a fee of $9. Trans Union charges from $7.50 to $9 for your credit report.

All three credit reporting agencies will also provide a one-time copy of a "3-in-1" credit report. This contains your credit reports and your credit report scores from all three reporting agencies. Trans Union charges $34.95 while Equifax and Experian each charge $39.95.

Credit Report Scores - Improving Then

A good score helps you get the best loans. The loan officer will be glad to see you because you will:

• Qualify for a larger loan
• Get a loan faster
• Get the best interest rates.