PreapprovedAccess.com Offer
PreapprovedAccess.com is a legitimate application portal used by First Access Card for pre-approved credit card offers. The card, issued by The Bank of Missouri, is targeted at individuals with bad credit who are looking to rebuild their credit history.
How PreapprovedAccess.com works
1. Receive an offer: To begin, you must receive a pre-approved offer for the First Access Visa Card through the mail.2. Access the application: You then go to preapprovedaccess.com and provide the required information from the mailer, such as your reservation code and Social Security number, to access the personalized application.
3. Complete and submit: After filling out the application, you submit it for final approval, which will involve a "hard pull" on your credit report.
4. Pay the program fee: If approved, you must pay a program fee before the account is opened.
Important features and high fees
Like other cards in this market, the First Access Visa Card comes with high fees and costly terms.The catch with "pre-approved"
Bottom line
While the site is legitimate, the First Access Card is an expensive way to rebuild credit. Consumers in this situation are often better served by a secured card, which typically offers a lower overall cost and a more direct path to building a positive credit history.opensky® Plus Secured Visa® Credit Card
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
- CLICK HERE TO APPLY ONLINE
*See Terms and Conditions
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
* See the online Preapprovedaccess.com (www.PreaprovedAccess.com or www.Preapproveaccess.com) credit card application for details about terms and conditions and offers.
* Information provided on this topic may include mistakes. For financial advice, consult a professional.
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
Security Notice: Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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