Because it can help build or rebuild your credit with responsible use. A secured credit card is a real credit card. Not a prepaid card or debit card. Generally, prepaid cards and debit cards do not report to the 3 major credit bureaus. But the Discover it Secured Credit Card reports your activity so you can build a credit history.

1.  Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build credit.
2.  FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See about the availability of your score. Your score and key factors are available on and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation of the United States and other countries. 

Here's how it works. Secured Card Deposit:
Apply & provide a deposit: If approved, secure your line with an equal deposit. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line.2

Use your card responsibly:
Be sure to pay your bill on time. And pay your balance in full each month by the due date to avoid interest on purchases.

Build your credit history:
Using credit responsibly across all of your credit cards and loans, including Discover and others, may qualify you to get your security deposit back.3
[Discover Secured Card]

It's a real credit card, not a prepaid or debit card
Using your secured credit card will build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can't do that.

Get started with a refundable security deposit:
Your secured card requires a refundable security deposit. You choose your deposit amount (minimum $200) when you apply.

 Build or Rebuild Your Credit with Discover it®Secured Card

Start with a secured credit card with a plan to graduate up to an unsecured card.

You might be wondering how to build credit if yours isn’t looking so good at the moment. One good way to start is with a secured credit card, in which you deposit an amount of cash up front and then can charge up to your assigned credit line.

Be sure to charge only what you can pay for each month so that your credit utilization ratio remains low and you’re able to build a good payment history and establish good habits. It’s also a good idea to check with the issuer of your card to ensure they’re reporting this activity to all three major credit bureaus.
Like a cell phone or social media, a credit score is a reality of modern life. Supplied with the knowledge on how to build credit, all you need is a little attention to detail every month to make sure your credit score works for you and not against you.

Discover card believes that consumers should be equipped with the information they need to help them make informed credit decisions.


Start Building or Re-Building Your Credit Today.

The FES Protection Plan is a multi-product program which encompasses all of our unique financial products. Unlike any other financial service on the market, the FES Protection Plan is designed to cover all aspects of your financial portfolio. You can access your easy-to-use online portal at any time and our Customer Service Team is available to answer any questions. Keep yourself, your family and your financial assets protected with the FES Protection Plan.

Financial Education Services donates $2 from every FES Protection Plan payment to the Youth Financial Literacy Foundation.

Your FES Protection will include the following products and services:
  1.  Credit Restoration
  2.  Credit Builder
  3.  Credit Attorney
  4.  Smart Credit
  5.  FES Debt Zero
  6.  Lifelock
  7.  Financial Lockbox
  8.  Life Insurance*
  9.  MyCare Plan
  10.  Discount Shopping
  11.  YFL Family Mint
  12.  RX Discount Card
  13.  FES Travel

Error's and Inaccuracies on Your Credit Report: Are you among the 40 Million with Mistakes on Your Credit Report?

40 Million Mistakes: Are your credit reports accurate?
A new study indicates as many as 40 million consumers have a mistake on their credit report and Steve Kroft finds it’s hard to get them fixed.

Courtesy CBS News 60 Minutes

“Being good in business is the most fascinating kind of art. Making money is art and working is art and good business is the best art.”
David Landers

We can't talk about building business credit without addressing personal credit as well.  If you are like millions of Americans who are in business for yourself, it very difficult finding ALL the resources you need in one place.  We have the solutions you are looking for. 

According to the United States Small Business Administration (SBA), two primary reasons for small business failure is a lack of business planning and inadequate access to business credit and funding.  Small businesses are a critical component and major contributor to the strength of local economies. In fact, since 1995, small businesses have generated 64% of new jobs but most resources to help small business owners are considered inaccessible, impractical, or too

Contact us to find out about a program that we have which will assist entrepreneurs in creating business plans,  financial management, and building business credit to obtain $100,000+ of business credit and funding.
Are you a small business, self-employed, partnership, limited liability company, limited liability partnership?
Your Personal Credit only tells half the story for your Business

Like your personal credit, your Business has its own Credit Scores.

Lenders use both to qualify you for funding, loans, and business credit cards.

Get FREE business credit reports you can actually understand.

FREE access to reports, ratings and monitoring
Business Credit Summary and Rating
Personal Credit Summary and Score
Plus, tools that help you build business credit that rocks
Including BusinessLauncher, CreditSweeper, CreditTarget, Marketplace
Giving you control over your
business credit
Our tools and insights help you build your business credit, understand how to improve it, protect it and then use it to grow your business.
Keeping it all secure for you
We start with credit bureau-level security for your personal data. Then we protect your credit with 24/7 monitoring and alerts.
We’ve helped more than 70,000 business owners succeed.

Discover business financing and services that best fit your needs.

Instantly Access Your Business & Personal Credit

Services make it easy for you toget funding, save money andprotect your assets

  1. Managing Director
  2. Managing Director
  3. Managing Director
Take me there

*No credit card needed. Ever!

Turns out knowing really is half the battle
Use our easy tools to lower your costs and save time


Small Business Development Initiative

Business Credit Literacy Initiative
9330 LBJ Freeway, Suite 900
Dallas, TX  75243

Phone: 682-207-8419

  • Are you interested in building my business credit and would like to learn more.
  • Are you interested in improving my personal credit score through credit building and would like more information.
  • Are you interested in setting up a Workshop to educate others.
  • Are you interested in becoming a Credit Literacy Educator to teach others (and get paid).
  • Are you looking for credit/funding for my business.
  • Are you looking for help with creating a business plan, marketing plan, website, etc. for my business.

Use the following link and cut and paste:   Referred by Finally Excellent Score, LLP /Carol Allen :  
Note: All Fields required

Contact us to find out about a program that we have which will assist entrepreneurs in creating business plans,  financial management, and building business credit to obtain $100,000+ of business credit and funding.
​Yes, I need business credit


Provide us with your full legal name, email address, and phone number
and we will contact  you as soon as possible.