As much as I dont like First Premier as much as the next guy. I have to say they helped me I had no score and they helped me build towards a good score. I think of it like im paying them monthly to boost my credit I dont use the card for anything I got it paid the ridulous start up fee and now just pay the 7 dollars a month. best 7 dollars I spend all month. I think the problems come in with them if you actually use the card with I have not.
Had the card also helped me rebuild but at the end of the day that card is a joke.
Starting Score 3-31-08: EQ 582 TU 577 EX 625 Current Score 3-19-10: EQ 703 TU 712 EX No Clue Goal Score: 800 By January Of 2012