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These cards vary from having a fixed rate APR or low introductory APR.. The Secured Card Collateral Account will be opened in your name and is a non-interest bearing account, therefore no interest will be paid to buy all three credit reports you on the Collateral Account.
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It is used by credit card companies to calculate the interest charged on your monthly statements. The Fair Credit buy all three credit reports Reporting Act (FCRA) is a law that requires each of the three credit reporting companies to provide you with a free copy of your credit report, once annually.