Building positive credit is just as important as avoiding damaging inquiries. Unfortunately, adding positive tradelines can be a difficult task for those that need it most, as obtaining credit most often requires a high credit score. The additional services below are intended to help those that need to expand their credit profile. Your UCES representative can provide you with further information and enrollment.

Do you rent your current home? Are you living in an apartment complex? If you’re a renter, your largest monthly expense is likely your rent payment – just as a homeowner with a mortgage payment. The difference? Homeowners build their credit score with their on-time monthly payments each month. Shouldn’t you be rewarded with a positive payment history for being a responsible renter? After all, you could be penalized on your report for a rental eviction. Completing a simple online registration form will allow you to not only have these payments reported to your credit report, but will also allow you to backdate your rental history up to two years!

A secured credit card can help in rebuilding credit or to build new credit for individuals just starting out. The First Progress Platinum MasterCard® Secured Credit Card is a full-feature Platinum MasterCard® with a credit line based on a security deposit rather than on a credit score. The card is designed to advance the accumulation of new information in a credit file by reporting account activity to all three of the major national credit bureaus every month. Since it is a full-feature Platinum MasterCard®, the card provides the convenience and prestige of the worldwide MasterCard® system.

First Progress Platinum MasterCard® Secured Credit Cards are issued by Synovus Bank, Columbus, GA, member FDIC.