The internet site for your credit card needs, and much more. We offer unsecured and secured credit cards if you have great credit, bad credit or no credit. You can also obtain your credit report files, check the FTC's sites on credit repair to find out what is legal and what is not.
We also offer a wide array of long distance services, information, and the opportunity to join us as an agent/distributor for many of the programs offered here.
Bookmark this page and return often - changes, updates and additions will be made frequently.

Credit Cards

First Secured If you have no credit or bad credit, you may still qualify for these secured credit cards. These cards feature NO application fees, a low $100 minimum deposit, and a credit limit of 1, 1.5, 2 or even 3 times your deposit. The cards can become unsecured with your good creditworthiness. NOTE: The issuing bank for these credit cards prohibits advertising the cards with the brand names. However, rest assured that your will recognize the brands as probably the TWO most recognized credit cards in the world.

Sterling The Sterling Silver® Visa® and MasterCard® can be yours regardless of your credit. Sterling Bank & Trust, FSB does not run a credit check or income verification for this credit card. If you are over 18,a US citizen living in the US (except Wisconsin or territories), have a valid SS#, a residential address, a phone in your home and can open a $200 savings account, you are guaranteed approval.

Visa® FutureCard Apply online for the unsecured Visa® FutureCard®, even if you have less than perfect credit. Depending on your credit, you can apply for either a secured or unsecured Visa® Credit Card.

Debt Consolidation FREE debt consolidation quote. Just fill out the form and you will receive your free debt consolidation report. This is not a loan, KCCA will work with your creditors to help you pay of your debts, reduce interest charges and eliminate late fees and other charges.
THIS IS NOT A NEW CREDIT FILE OR ANYTHING ELSE THAT IS ILLEGAL, This IS Credit Counseling for those with serious debt problems.

Credit Reports

Credit Report Millions have found False, Misleading, Damaging information or just plain mistakes in their files. Don't be caught by surprise! Order your credit reports TODAY and receive a FREE vacation bonus offer.

Long Distance
Discount Long Distance US Interstate Long Distance as low as 6.9 cents per minute! We also offer low international rates, international callback services, 800/888 #'s as low as 7.5 cents per minute, phone cards, and much more.

Business Opportunities

Credit Card Distributor Become a secured credit card distributor. Earn up to $25 per approved application. How? Place applications in merchants such as convenience stores, motels, gas stations etc. using "take one" boxes. You can choose the FCNB Secured and More cards and/or the Sterling Silver Visa® and MasterCard® applications.

FREE Internet Business You can join Troy Worldwide Telecom and Cognigen Agency to market a suite of long distance services. Earn great commissions, learn form the extensive online information library and the agent only BBS. The opportunity is absolutely FREE to join.

Federal Trade Commission Links
Click Here for information on Credit Report scams and other useful information from the Federal Trade Commission