Be sure to know what your credit scores are!!

YOU SHOULD KNOW WHAT THEY ARE SAYING ABOUT YOU!!

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Best Credit Report is MYFICO.COM, they will show 25 Fico Scores

Get a Full 3 Bureau Tri-Merged Credit Report for $1

To take advantage of this opportunities use the links listed below and click your way into the boost that gets your closer to your dream credit score. Be sure to read all the details on each link to help you better make your choices.​

The FASTEST way to boost credit scores 30 to 100 points in 30 day is to become an Authorized User. An authorized user is any person who has permission to use a credit card account, but is not responsible for paying the bill. An authorized user account is added to your credit report after the request is made to the card company — typically within 30 days. You can either borrow credit from people you know or you can lease credit for 60 days. .

Opt-in for Credit Card Offers

Before you add new credit cards, make sure you opted in for pre-screened offers from credit card companies.

Click the link below to receive new offers in the mail, these will be pre-approved offers, that don't do hard pulls on your credit report.  www.optoutprescreen.com

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1. Self Lender 

Reports to Equifax, Experian and TransUnion 

May take up to 3 months to show on credit reports.

A credit builder account can help you establish credit history and save money in a safe, responsible way as the CD is FDIC insured.

Works as a savings account in which you need to make monthly payments of $25-$150. Withdraw your money after 12 months plus interest. 

Cost: $25-$150 per month ( your choice)​​

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2. Credit Builder Secure Card 

Reports 6 Times a month to Equifax, Experian and TransUnion 

Put Down $200 Deposit To Open Card. You Can Open 2 Cards! 

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3. Credit Rent Boost (Add Rental History to Credit Reports)

No Credit Check

Reports to TransUnion & Equifax

Get credit for on-time rent payments. Can boost your scores 7-120 points

Cost: Past 12 Months: $45.00 1 Renter / $90.00 2 Renters 

Cost: Past 24 Months: $60.00 1 Renter / $120.00 2 Renters

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4. Fingerhut 

Credit Check

Must have existing credit.

Offers a $100-$500 line of credit that reports to Experian and TransUnion only; when filling the application state your income is $80,000.

Don't click on the box that ask for additional services. ​​

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5. Missionlane Visa Card

Credit Check

Reports to Equifax, Experian and TransUnion.

Apply with a 600+ Credit Score. Offers up to $1000 Start up Limit.

Credit Limit increases in 6 months.

On application state your income is $80,000 and rent is $1000 

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6. Merrick Visa Card

Credit Check

Reports to Equifax, Experian and TransUnion.

Apply with a 600+ Credit Score. Offers up to $1000 Start up Limit.

Credit Limit increases in 6 months.

On application state your income is $80,000 and rent is $1000 

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7. Credit One Bank Visa Card

Credit Check

Reports to Equifax, Experian and TransUnion.

Apply with a 600+ Credit Score. Offers a $300-500 Start up Limit.

Credit Limit increases in 3 months. 

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8. Milestone Master Card

Credit Check

Reports to Equifax, Experian and TransUnion.

Apply with a 600+ Credit Score. Offers a $300-500 Start up Limit. When filling the application state your income is $8000 per month, monthly bills $2500 per month. 

Credit Limit increases in 3 months.​

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9. Shopping Cart Trick 

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Soft Credit Check

Adding additional tradelines using the shopping cart trick, which does a soft pull on your credit. This technique is very useful when building new credit tradelines. Trick must be done on a computer or laptop. Works best with credit scores above 600. Click the LInk above for more information.

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Whatever option you choose to open (from $1,500 up to $13,000) you will position yourself to balance out your Credit Utilization and Debt to Income (DTI) ratio.

These primary tradelines can play an important part in boosting your credit score for immediate and long term goals like purchase a car with a great interest rate or purchasing that family dream home.