Laramie Federal Credit Union in the state of Wyoming offers several fresh start programs for people with both past checking account problems (negative Chexsystems reports) and prior credit problems.
Fresh Start Credit Cards allow members that don’t qualify for a credit card account under our standard programs the ability to have a credit card, but one that is secured by a deposit at the credit union. Members can use the credit cards for purchases, reservations, car rentals and everything else a traditional card can be used for while at the same time building credit!
Fresh Start Checking
This second chance checking account allows members to get a VISA® debit card without having no minimum balance requirements.
Fresh Start Auto Loan
If you have no credit or have past credit issuesthen this program will give you the opportunity to obtain financing at competitive rates. There is one catch though - the installation of a GPS Device with Automated Collection Technology. But don't worry about that if you make ontime payments every month. They say there is a minimal or even a no down payment option and they will report your payments to the major credit agencies so it will give you the opportunity to establish or rebuild your credit history.
Fresh Start Personal Loan
They offer people with bad credit the opportunity to build credit or repair it with a personal loan amount up to $1,000.00 for maximum term of 12 months.
To get in touch with this credit union to find out additional information on their second chance programs, then Wyoming residents should contact them at:
365 N. Third St.
Laramie, WY 82072
Phone: (307) 745-5365 - Toll free (888) 745-5406
If you want to learn more online about the above programs you can also see this information on their website at http://laramieplainsfcu.com/LP_fresh_start.html