As negative items are starting to be removed from your credit report. We recommend you start adding new primary tradelines. These new active accounts will help boost your credit score. Please choose 3 – 4 from the following list below if you don’t have any primary tradeline, 2 – 3 if you have at-least one primary tradeline.
My Jewelry Club
MJC Offers up to $5,000 unsecured revolving credit and reports to Equifax and Experian.
Credit Builder Card
Get a secured credit card with as little as a $200 – $1000 Deposit. No credit score needed for approval. Reports to all 3 credit bureaus.
National Credit Direct
Guaranteed Approval Up to $5000 in unsecured revolving credit. No Hidden Fees or interest charges, Member Benefits, and Unlimited Customer Support. Reward Points Program, which is similar to major credit cards or airline miles. Reports to Experian only.
100% chance of getting a free stock. Get a free stock when you signup. Robinhood is a free trading app that allows you to trade stocks without paying commissions. Instead of throwing $8 to your brokerage per transaction, you can trade 100% free of charge.
Build credit history while saving. Austin Capital Bank gives you an installment loan. You do not receive the funds on day one, they are instantly deposited into the savings account. A lock is placed on the funds in the savings account to secure the loan. Each month you make a single, fixed monthly payment of principal and interest on the loan. The principal portion of your loan payment is credited towards the lock on your savings account and the interest portion of your payment is how we cover the costs of providing the service to you. During the term of your account we report your loan payment history to all three major credit bureaus and you earn interest on your savings account balance. When the loan is paid in-full, the lock is removed from the savings account and the funds become available to you.
Open a Credit Builder Account, pay monthly and on time to build positive payment history. Self will help establish the regular payment history that is key to building credit. No Upfront Deposit. Get Approved in Minutes. Withdraw Savings at End. Reports to all three credit bureaus.
WHAT ARE AUTHORIZED USERS?
Authorized users help you build your credit you can build a excellent credit score just by being added as a authorized user on a credit card. When you become an authorized user, the account is added to your credit report, which means on-time payments by the primary cardholder will help you build good credit history.
A credit card owner / primary user adds you to their credit card account as an authorized user
The credit card account gets added to your credit reports, just like if it were your own account.
The credit card issuer gives updated account information to the credit bureaus on a monthly basis.
Your credit standing improves if the account owner has on-time payments, low credit utilization and other signs of financial responsibility.