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OpenSky Secured Credit Card​

 

Build credit without a traditional hard credit check.

The OpenSky Secured Credit Card is designed for people who are rebuilding or establishing credit and may not qualify for traditional unsecured cards.

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Why clients like OpenSky:

  • No traditional hard credit inquiry for approval
    Protects your credit profile while getting started.

  • Approval based on deposit, not score
    A refundable security deposit sets your limit, making approval more accessible.

  • Reports monthly to the major credit bureaus
    On-time payments help build positive credit history over time.

  • You control your limit and utilization
    Your deposit determines your spending power, helping prevent overuse.

  • Simple, rebuild-focused design
    No confusing rewards, traps, or incentives to overspend.

  • Ideal for rebuilding and thin files
    Especially helpful when other cards are out of reach.

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This card is not a shortcut and not required, but for the right situation, it can be a clean, controlled way to start building positive credit activity.

Secured Credit Card Coming Soon.

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VIVA Finance Personal Loans

 

Personal loans based on employment, not just credit score!

VIVA Finance provides personal loan options for individuals who are employed but may not qualify for traditional bank financing based on credit score alone.

 

Why clients consider VIVA Finance:

  • Approval focuses on employment and income
    Designed for working individuals whose credit history may not tell the full story.

  • Alternative to traditional bank loans
    Useful when banks say no due to score requirements.

  • Helps bridge short-term financial gaps
    Can support temporary cash-flow needs caused by timing or unexpected expenses.

  • Simple application process
    Clients apply directly and review loan terms independently.

  • Access without long credit history requirements
    Potential option for underserved or rebuilding credit profiles.

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This is not credit repair and does not build credit on its own, but for the right situation, it can be a practical short-term financial tool when used responsibly and with a clear repayment plan.​

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Tradeline Supply Company

 

Strengthen credit structure, when timing and profile are right!

Tradeline Supply Company provides access to authorized user tradelines that may help strengthen certain structural aspects of a credit profile, such as total available credit, utilization, and average age of accounts.

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Why clients consider Tradeline Supply:

  • Focuses on filling in the missing credit structure .

  • Helps address limitations that can cap scores even after disputes are resolved.

  • May improve utilization and current available credit metrics.

  • When used properly, tradelines can increase overall credit capacity.

  • Can support time-sensitive situations

  • Often considered when credit structure matters for upcoming applications.

  • Clients choose and purchase directly, maintaining full control.

  • Selective, education-first use

  • Reporting dates shown at time of purchase for maximum impact.
     

This option does not remove negative items and is not appropriate for every credit profile, but in the right situation, it can be a supplemental tool to support broader credit goals.​

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SMB Business Funding

 

Business funding solutions based on performance, not just credit.

SMB Funding provides flexible financing options for small and medium-sized businesses that need access to capital without the rigid approval standards of traditional banks. Instead of focusing primarily on credit scores, SMB Funding evaluates the overall health of the business, including revenue, cash flow, and operating history.

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This makes them a strong option for business owners who are profitable, growing, or stabilizing, but may not fit inside conventional lending boxes.

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Why business owners choose SMB Funding:

  • Approval driven by business performance, not personal credit alone

  • Streamlined application process designed for busy owners

  • Fast decisions, with funding often available much quicker than banks

  • Multiple funding structures including working capital and short-term solutions

  • Flexible use of funds, not limited to a single purpose

  • Built for real-world businesses, not just perfect financial profiles

 

This option is not credit repair and does not directly impact personal credit. However, for the right business situation, it can be a smart funding solution to support growth, manage cash flow, cover expansion costs, or handle unexpected expenses.

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Credit Hero Score

Credit monitoring, alerts, and tools to stay in control of your credit

Credit Hero Score is a credit monitoring and reporting service designed to help individuals track their credit, spot changes early, and understand what impacts their score.

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Why our clients use Credit Hero Score:

  • Access to credit scores and reports to see where you stand

  • Ongoing credit monitoring and alerts for new activity or changes

  • Identity and personal information monitoring for added protection

  • Score tools and education to understand how actions may affect your credit

  • Clear visibility while rebuilding, maintaining, or preparing for major financial moves

  • $1 Million Dollars of Identity Theft Insurance by AIG

  • Deeply discounted price at only $19.99/month

  • No Contracts!

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This service does not repair credit on its own, but it provides the visibility, awareness, and tools needed to make informed decisions and protect progress over time.

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CreoMortgage™ Home Loans

Powered by: Barrett Financial LLC

 

Personalized home loan solutions built around your financial goals

CreoMortgage™ Home Loans provides tailored mortgage solutions for homebuyers and homeowners who want clear guidance, competitive options, and a smooth lending experience. Backed by Barrett Financial LLC, CreoMortgage™ combines personalized service with access to a wide range of loan programs.

 

Why clients work with CreoMortgage™:

  • Hand Picked Partner

  • Personalized loan guidance based on your goals and financial profile

  • Over 150+ lenders, banks, and credit unions

  • Access to multiple loan programs, including purchase and refinance options

  • Support for first-time and repeat buyers

  • Clear communication throughout the process, not pressure or guesswork

  • Backed by an established national lender with strong industry experience

 

This partner focuses on helping clients understand their options quickly and how to move forward confidently, whether they’re buying a home, refinancing, or planning your next step.

Disclosure:
Credit Fix JOE™ is not a lender or card issuer. Links on this page lead to independent third-party providers who determine approval, terms, and outcomes. Participation is optional, results vary, and Credit Fix JOE™ may receive compensation if a link is used.

FINANCIAL PARTNERS

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