I guess maybe the commercials really sold me into loving this app. Great marketing. I have a few secured MasterCards and or Visas from who maybe their middle men or investors and my credit score has gone to very poor to fair in a matter of 2 months! Even though you do have to pay a deposit when your approved, like a prepaid card, but its worth it. Im so happy that these "secured credit cards" really do help rebuild your credit it truly works. I also love the fact that you can dispute any outstanding accounts or accounts that are in collections. One account has been formally closed and after that my credit score increased because it truly was a debt that I should not have had to pay. I have another one being disputed by my old dentist who knew I was moving and not working and very sick but he or his office still tried to charge me $400! Now I owe more $600 hoping for a great outcome for this debt. Credit Karma really does help but be careful with how many credit cards they do offer you to rebuild your credit or youll end up with more debt.