Without new distributors, the pyramid collapses and only those at the very top make any money. Pyramids are illegal. An advance fee loan or credit card offer that guarantees credit with no check on your financial history. A legitimate creditor would never make promises like this and you'll pay assorted fees totaling hundreds of dollars. A slick pitch for credit repair at a price.
Federal law prohibits upfront fees for credit repair.
The truth is you can help yourself to rebuild a better credit record. Only time, a deliberate effort, and a personal debt repayment plan will improve your credit. An appeal for a phony charity that sounds like a legitimate one. It will give a P.O. Box instead of a street address and phone number and a sad story to snag your sympathy. A mailing that looks like an official government document that suggests contest winnings, unclaimed assets or other forms of instant wealth are waiting for you for a small fee.