I have had about 10 people in the past week email me with the same question:
“I don’t have a credit card and I can’t afford eHarmony.”
Never fear !! I have a solution
I also found the link for your free credit report. The U.S.
government passed a law that states that all of the credit
reporting companies MUST give you 1 free copy of
your credit report every year. Freecreditreport.com is
the first place you start:
(but first, a little background information about me…)
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I work as an attorney. While my monthly income is 100x what it was when I was a poor, broke law school student, I still live a really frugal lifestyle. Guess what kind of car I drive….nope, not a BMW. Sorry, no Mercedes parked in my parking spot. I drive a 4 year old Honda Accord. 
Why am I telling you this, you ask? Because it is a great intro into what I used to do. When I was in law school, I did not have a job. I could barely afford to put food on my table (mommy and daddy did not give me a free ride). So, I had to use my head in order to survive. I was known as the “freebie princess” back in Law School because I would spend hours on the internet, looking for websites that were giving out free things (free things are good as gold to a law student) as well as hot deals that I could buy for cheap online, then quickly resell on Ebay. (more on that later) Someday when I don’t have any eHarmony promotional codes to post, I will regale you with tales of how I was able to get literally thousands of things online for free or 75% off.
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Ok, you have one of two choices here:
1. Assuming you have bad credit, or no credit, you can still get approved for a free checking account from Wamu (aka Washington Mutual). You will then get a debit card that is
attached to the free checking account and can be used like a regular credit card. It is specifically designed for people who are in the process of rebuilding their credit. The qualifications are minimal and I have heard from several people (including one girl who had a 450 FICO score) that they were approved. What seperates this card from the others is that they will “sniff” your credit file (instead of doing a hard pull) so that there is no credit card inquiry listed on your credit report. This is a good thing, because all credit card companies pull your credit file when you apply with them. Again, you are not going to get approved for a $100,000 credit limit….but be happy with what they give you and make timely payments on the credit card and in no time your credit score will begin to rise !
The signup process is very simple:
1. Goto the Wamu signup page
2. Getting Started: select account details
3. Personal Info: enter required fields
4. Summary: review account and personal info
5. Opening Deposit: deposit at least $1 within 30 days to activate the account
And there you have it. You new Wamu debit card (that is attached to your personal checking
account you just signed up for) will be in the mail in a matter of days.
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I found this freebie online about 3 weeks ago and have since received my card and there was indeed $10 credited onto the card. Since I am already a member of eHarmony, I used the card to pay for some gasoline to drive to a coffee date I went on last week.