"Improve Your Credit, Improve Your Life"

Credit Building

EXCELLENT CREDIT IN 180 DAYS OR LESS

It’s important to understand that removing derogatory information from your credit files will help to improve your scores however, there are many variables considered when determining your scores. So in many cases, removing derogatory information alone is simply not enough to get your scores to where they would be considered A+ credit scores.

This program is designedto lead anyone, regardless of past or present credit problems to an EXCELLENT credit rating. IF YOU HAVE LESS THAN 3 CURRENT ACCOUNTS IN GOOD STANDING WHICH YOU ARE CURRENTLY MAKING MONTHLY PAYMENTS ON, then we strongly suggest that you follow a combination of the steps below to begin re-building your payment history. Each of these steps will help to ensure that your credit scores will improve as quickly as possible so please read through each of them in order to determine which step(s) are right for you. The best part is, you will be in complete control of your credit destiny. This should be done at the same time that we are working on clearing up your old derogatory credit so we recommend that you take these steps within the first two months of coming on board with us.

Please understand that these steps are completely optional, however this will be the fastest way to see a score increase. The combination of us working together will have your credit in good standing sooner than later so we hope that you do your part, while we are doing ours!  CLICK HERE

STEP 1

ACQUIRING SECURED VISA / MASTRCARD If you choose this option, please login to: http://www.creditcardbroker.com/member-detail/?tid=5553

The first step to re-building your credit is to apply for a secured card(s) The simplest way to do this is to click on the link above and follow the simple instructions to obtain your new cards with a very minimum deposit. Each of these cards reports to all three major credit bureaus. If you have less than 3 current accounts that you are paying on monthly then we strongly urge to to obtain 2-3 cards with minimum limits of $300. Do not apply for all of them all at that same time. Apply for the first one and then once you receive it go ahead and apply for the 2nd card and so on. You will need to have at least 3 accounts in good standing that you are paying on monthly in order for a lender to consider you a decent risk. I will tell you that it takes a minimum of 9-12 months of “on time” payment history for a lender to even consider giving you credit. So the sooner you can get your cards the better.

HOW CAN I MAKE THE BEST USE OF A SECURED CARD TO BUILD MY CREDIT RATING?

Buy one small item per month on each card and pay off all but $5 of the balance on each card every month. Avoid carrying high balances on these cards" as the interest rates are way too high. Be sure to make your payments “on time” each month as this is the only way to build excellent credit history

STEP 2

AQUIRING UNSECURED BANK LOAN – If you choose this option, please login to: http://www.usgtrack.info/click.track?CID=250976&AFID=314534&ADID=1037058&SID= http://down2shop.com/

This company allows you an unsecured line of credit between $1100 - $6500 depending on your credit scores. All you need to qualify is a 500 credit score from Equifax only! There is a one-time processing fee of $125. You make a small purchase from their site and then just make your payments on time each month. Viola! You are building credit! This loan is issued by First Electronic Bank/and they report to all three major credit bureaus.

IMPORTANT- IF YOU HAVE A SECURITY FREEZE OR FRAUD ALERT ON YOUR CREDIT REPORTS YOU WILL NEED TO REMOVE THESE FIRST IN ORDER TOOBTAIN YOUR LOAN.

STEP 3

ACQUIRING SECURED BANK LOANS – USING YOUR OWN MONEY

This is similar to getting a secured card only you are securing it against a bank saving’s account. Credit Unions usually work best for this but you can try your own bank (or any bank) This option does require a bit more capital than the other options. I would suggest you obtain a loan between $500- $1000. If you already have a savings account with that amount of money in it then all you need to do is go to your bank and let them know that you would like to take out an “Installment Loan” and you want to secure it with the money in your savings account. So for instance, if you take out a loan for $500, the bank will put a freeze on $500 of your own money. The bank will release the freeze little by little as you make your monthly payments. Now keep in mind, the purpose of this loan is to build payment history each month. So let’s say you take out a $500 loan, you will then want to divide that by 12 months. By doing this you will be building payment history for 12 months and this will help to greatly improve your scores. If you do not have a savings account at all, then you will need to open an account with a minimum of $575 (the banks require a 15% cushion) I suggest opening a savings account with a Credit Union or your current bank. You will want to wait 3-4 weeks before going back to obtain your secured loan at which point you will follow the steps above.

STEP 4

HOW TO ADD YEARS OF CREDIT HISTORY IMMEDIATELY & RAISE YOUR SCORES!

Authorized User Cards -This is the quickest way to re-establish your credit and it is probably the easiest. This method is called the “Authorized User” method and by using this method you instantly add many years of excellent credit history to your credit profiles so you will see your scores increase substantially within 30-60 days. This method is 100% legal and has been used for years to help people with less than perfect credit re-establish their credit as quickly as possible. We can help you obtain high limit cards with long standing credit history which will give your scores a big boost! If you are interested in obtaining AU account(s) please contact us ASAP so we can explain how to go about this process in a way that will help you rather than hinder you. Authorized User Cards can be tricky and often times we see people put themselves on cards that end up doing more harm than good. So again, please contact us if this is of interest to you.