Are you new to credit or looking for a way to rebuild your credit?

Secured Credit Card

A secured credit card is a credit card for individuals with limited or damaged credit that requires the user to place a refundable security deposit. As long as you keep your secured card in good standing it is guaranteed to to build or rebuild your credit just like a "normal credit card". 

Benefits: 99.1% of consumers are approved, Add positive revolving credit to your profile, you receive your deposit once you close your account(in good standing).

Self

Take control of your credit score.

Self helps you build credit for any stage in your financial journey.

No credit score is needed to get started!

Self starts with plans as little as $25 a month. Self reports to all 3 credit bureaus. No hard credit pull to start!

Historical 

Reporting 

Have your largest monthly expense reported to Transunion and Equifax.

Benefits: 

* Reports up to 24 months of past rental history.

*Significantly increases your credit score.

*An added tradeline to your credit file for 12 months or more.

Tradelines

A tradeline is an account borrowed from a credit card user. The borrowed account will reflect on your credit file with the credit history, as well as the credit limit. You will not have access to the physical credit card, but it will appear on your file for up to 60 days/two statement cycles. Prices range from $200 to around $1,000. It is best to sign up for a Tradeline when you no longer have any negative/collections accounts.

Benefits:

*Spotless payment history

*Perfect debt utilization ratio (less than 30%)

*Increase your credit score dramatically

*High limits | $1,500-$66,000

*Long Credit History | 2yrs-30yrs

*Added 10-15 days after statement date. Reports for two posting cycles or 60 days.

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