Credit Building Tools
Credit Building Card
Here is the link to my secured credit cards for anyone who needs to build or rebuild positive credit (you do not have to be a client to get this card)
Benefits Of Having A Secured Credit Card:
NO Minimum Score required
Starts reporting BEFORE the card even gets to you
Reports to all 3 Major Credit Bureaus
Helps Establish or re-establish credit
Guaranteed approval (unless you have an active bankruptcy)
Here is the link to my secured credit cards for anyone who needs to build or rebuild positive credit (you do not have to be a client to get this card)
Benefits Of Having A Secured Credit Card:
NO Minimum Score required
Starts reporting BEFORE the card even gets to you
Reports to all 3 Major Credit Bureaus
Helps Establish or re-establish credit
Guaranteed approval (unless you have an active bankruptcy)
Self-Lender is an account that I recommend professionally to my clients.
Many people ask about a "Self-Lender" account - what is it, how does it work, will it help me?
Self-Lender is a savings driven installment account that will report to all three credit bureaus as an installment account - rounding out your credit profile and building your credit score while you tuck money away for a rainy day.
With NO HARD INQUIRY this is a FANTASTIC option and opportunity for those who are looking to improve their credit.
Many people ask about a "Self-Lender" account - what is it, how does it work, will it help me?
Self-Lender is a savings driven installment account that will report to all three credit bureaus as an installment account - rounding out your credit profile and building your credit score while you tuck money away for a rainy day.
With NO HARD INQUIRY this is a FANTASTIC option and opportunity for those who are looking to improve their credit.
I also have 1 merchant account card that I use as well; they both require a minimum of a 500 credit score.
My Jewelers Club
Gateway Cards. Gateway cards you keep for 11-15 months and use to soar your scores. They will both give you a credit limit of 1500-6000, and you can only spend that limit at their online merchant stores. You will never be late. You will only spend a small amount. You do not need to make a purchase on it every month; simply every 5-6mths (so twice during the time that you have it), and will use it as a tool to obtain better credit card options. Once you have 2-3 better cards under your belt, you will cancel the card (this usually happens at the 11mth mark).
My Jewelers Club
Gateway Cards. Gateway cards you keep for 11-15 months and use to soar your scores. They will both give you a credit limit of 1500-6000, and you can only spend that limit at their online merchant stores. You will never be late. You will only spend a small amount. You do not need to make a purchase on it every month; simply every 5-6mths (so twice during the time that you have it), and will use it as a tool to obtain better credit card options. Once you have 2-3 better cards under your belt, you will cancel the card (this usually happens at the 11mth mark).