I'm so glad you're here with us on the Clark Howard Show where it's about you learning

ways to save more and spend less and don't let you whenever rip you off.

Coming up in a few minutes, you're not going to believe some of the sophistication going

on with our colleges trying to decide who they're going to accept.

Maybe on your grades and your SAT or ACT score, I'll fill you in.

There's a company I talked about when it was forming, when it was just in beta, that I

want to tell you about that gives new hope to people who have no credit score, no credit

history.

Usually, what's known as a thinner, no file with the credit bureaus.

So it's always been hard when you don't have credit, how do you establish it?

Well, it's called pedal card, P-E-T-A-L card, and they issue you a visa card that is a real

credit card.

And what they do is the cards have no fees, no application fee, no annual fee, and they

use completely different algorithms other than traditional credit to decide whether or

not you are, in fact, credit worthy.

And so what they do is you go to pedal card and it's P-E-T-A-L, I want to mention that

again, card.com.

And you go ahead and give them information that allows them to analyze your payment history

with non-credit-oriented bills.

Once their algorithm runs its thing, they then give you a chance to know in seconds, without

any effect on your credit, whether or not you are going to be approved for a pedal card

visa card.

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