CREDIT BUILDING PRODUCTS
Our Credit Building Products make it easy for individuals with no credit history, quickly add positive credit and payment history to their credit reports! Many people are denied financing or may need a co-buyer, because they lack credit history. We have a few options to help fix that issue!
KEEP IN MIND: There are two types on credit lines and your credit profile will never be established without the two:
INSTALLMENT- These are monthly payment accounts, such as loans. (Auto loan, mortgage loan, personal loan)
REVOLVING- These are recurring accounts you can use and expect to pay back on time. (credit cards)
Our recommended accounts below will identify each account as installment or revolving in the description!
KEEP IN MIND: There are two types on credit lines and your credit profile will never be established without the two:
INSTALLMENT- These are monthly payment accounts, such as loans. (Auto loan, mortgage loan, personal loan)
REVOLVING- These are recurring accounts you can use and expect to pay back on time. (credit cards)
Our recommended accounts below will identify each account as installment or revolving in the description!
Secured Credit Card
This will report a revolving account (credit card) to your credit reports. Keeping this account open and paid IN FULL each month, will improve your scores. If you leave a balance on your credit card(s) by the due date, you will be charged interest on your unpaid balance and any balance reported will hurt your credit scores. Therefore, be sure to pay your entire balance off in full or leave the card at a $0 balance each month, this will boost scores and prevent you from paying interest. Apply below and allow 3-4 weeks for the credit card to get made for you and shipped out. Be sure to check your email weekly incase there are extra verifications needed!
- NO MINIMUM CREDIT SCORE REQUIRED (Bankruptcy filing may affect this)
- NO HARD INQUIRY ADDED WHEN APPLYING
- ADDS REVOLVING LINE OF CREDIT
- $200 DEPOSIT TO OPEN CREDIT CARD LIMIT
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LOWER YOUR CREDIT CARD UTILIZATION OR ADD A SECURED LOAN
Choose between two products with this partnered service (or apply for both)!
Lower your credit card utilization by adding up to a $3000 credit limit to your credit reports. This lowers your overall credit utilization, which increases your scores, while building credit history!
Lower your credit card utilization by adding up to a $3000 credit limit to your credit reports. This lowers your overall credit utilization, which increases your scores, while building credit history!
- $99 payment (1 year reporting), no monthly fees
- Lower credit card utilization and build credit history
- Revolving account reported
Just like a secured credit card, a secured loan uses your money to fund the product! You make monthly payments and each payment builds your credit history, while going into a locked savings. When you complete the term, the money is returned to you. It's a "win-win"!
- Plans starting at $28/month
- Builds credit history
- Grow a savings for later
- Cancel anytime
- Installment account reported
SECURED CREDIT BUILDER/SAVINGS LOAN
A secured loan allows you to fund your own loan, just as you would with a secured credit card. A secured loan allows you to make small monthly installment payments and they are reported to the credit bureaus each month. You can complete a full term of these payments or cancel for free at anytime. However way you wish to close this account, the invested money is returned to you at the end, making it a "secured loan/savings".
- NO MINIMUM CREDIT SCORE REQUIRED (Bankruptcy filing may affect this)
- NO HARD INQUIRY ADDED WHEN APPLYING
- ADDS INSTALLMENT LINE OF CREDIT
- CANCEL ANYTIME
- PLANS START AT $25/MONTH
Report Your Rent Payments To Your Credit
By signing up through our affiliated link below, all extra processing fees are waived during sign up. Reporting your rent payments adds installment credit history to your reports and can boost scores quickly! (If paid on time).
The cost of this service is $94.95 to get started and $9.95/month to keep the reporting active!
How does this work?
1. Sign up and click "get started" through our special link or by clicking the button below.
2. Rent Reports will verify the information you provided with your landlord. (Feel free to let them know Rent Reporters will contact them).
3. Rent Reporters will send all payment history to the credit bureau's.
4. The credit bureau's will update your credit reports and your scores will improve! (RentReporters/Residence may show up as the account name on your credit report).
The cost of this service is $94.95 to get started and $9.95/month to keep the reporting active!
How does this work?
1. Sign up and click "get started" through our special link or by clicking the button below.
2. Rent Reports will verify the information you provided with your landlord. (Feel free to let them know Rent Reporters will contact them).
3. Rent Reporters will send all payment history to the credit bureau's.
4. The credit bureau's will update your credit reports and your scores will improve! (RentReporters/Residence may show up as the account name on your credit report).
- NO MINIMUM CREDIT SCORE REQUIRED (Bankruptcy filing may affect this)
- $94.95 TO START, $9.95 EACH MONTH TO KEEP THE REPORTING UPDATED
- REPORTS UP TO 2 YEARS OF PAYMENTS
- CANCEL ANYTIME
Build Credit For Only $5/Month!
Get approved for a $500 line of revolving credit. Applying won’t affect your score. Every payment you make is reported to the major credit bureaus.
- NO HARD INQUIRY TO APPLY
- NO MINIMUM CREDIT SCORE REQUIRED (Bankruptcy filing may affect this)
- BUILD CREDIT WITH ZERO FEES
Credit Monitoring
It's impossible to build credit without tracking your credit and being notified of every action regarding your credit. Credit monitoring allows you to track your credit scores and alert you of any changes to your credit. Our credit monitoring service allows you to track all 3 credit bureaus and provide FREE credit reports every 30 days! Most credit monitoring apps only provide you details from 1 or 2 bureaus and don't provide you with real credit reports.
- NO HARD INQUIRY TO CHECK AND MONITOR SCORES
- $1 TO GET STARTED
- MONITORS ALL 3 CREDIT BUREAUS
- FREE 3 BUREAU CREDIT REPORTS EVERY 30 DAYS
- CANCEL ANYTIME
