It's like a newspaper, explains Kevin O'Toole, education director for Consumer Credit Counseling Services, the financial-services division of Family Services, a local nonprofit agency in Cedar Rapids, Iowa.

Card selection for discovver credit card services is maintained and reviewed by our panel editors.

There are services online and in your local area that provide reporting and identity protection services, but I will go into more detail on those types of services in another article.

This is a great way to improve credit rating and re-establish a good credit history.

Value added services: Your free prepaid debit card company should give you different value added services like sending your statements online or through the mail to your home or office.