Denied a credit card or line of credit because of your low credit score? Many people with less-than-perfect credit wonder how they'll ever improve their credit score without a credit card or credit line in their name. Introducing MyOptimizedCredit, started by the RENU Foundation as a way for people with bad credit to start reporting the use of a credit line to the three major credit bureaus. Here's how it works:

• After being approved, you'll receive an initial $500 credit line and access to MyOptimizedCredit's easy-to-use bill pay system
• Through the bill pay system, you can direct MyOptimizedCredit which bills to pay and when
• Prior to paying your bills, MyOptimizedCredit will withdraw funds (in the amount of your bills) from your savings or checking account
• Once funds have been withdrawn from your bank account into MyOptimizedCredit's trust account, MyOptimizedCredit will pay your bills using your line of credit
• Monthly, MyOptimizedCredit will report your monthly payments to your MyOptimizedCredit line of credit to the three major credit bureaus

Because funds are withdrawn from your bank account before your MyOptimizedCredit line of credit is used, you will not incur any interest charges. All you pay is a monthly $19.95 for the entire service! Every three months, your credit line is increased by $500, up to a maximum credit line of $2,000 in 9 months!

To get started, complete the online application and donate $100 to the RENU Foundation. If your application is denied for any reason, you'll be eligible to receive a full refund of this $100 donation.

Sign up today for MyOptimizedCredit so you can start seeing a positive credit account on your credit report.