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In addition you can get access to both your report and your score but for a fee. A VCC is actually like a prepaid credit card. Hence you can easily get a VCC.

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Personalized insights and a free credit check anytime you want lets you monitor your score and build it up. The best thing about this credit card is that you dont need the approval of any bank. Credit Karma has been around since 2007 and has partnered with two of the major credit bureaus Equifax and TransUnion to offer your free credit report. The best free credit card is the SunTrust Prime Rewards Credit Card because its free to use 0 annual fee it lets you do a free balance transfer the balance transfer fee is 0 for the first 60 days and it has a low intro APR for a long period of time 325 V for 36 months.