Answer: -I would avoid the service. Chances are the list of lenders are the same ones you can find free on the web.Avoid merchant/retail cards. Nearly every store takes visa/mastercardAvoid prepaid cards. There is no credit extended so this does not help you rebuild your credit. If they report to the credit bureaus, they charge an outrageous fee.Avoid secured credit cards. They report as secured which does nothing to help rebuild your credit. -Never heard of it, but people with bad credit are the great, big prize sought by many creditors. What you're talking about sounds to me like a speedster asking where he can get a speeding ticket!! If you have a low fico score, learn how to improve your credit and if you're in a rush, I recommend you try our credit restoration program at www.clscredit.com. With good credit, who needs to worry about that stuff.