Build Credit.

It takes positive credit to have a great credit score. The more credit you have and the longer you have had credit the better. The easiest, least expensive credit lines to get when you start out are revolving lines. Some are availible to those with poor or no credit. A few ever offer larger lines of credit. You do not need to keep a balance owing.

As a matter of fact you should not use over 30% of your revolving credit limits. Eventually you will need to develop a mix of revolving, installment and mortgage accounts to maximize your credit scores.

Let’s get you on the fast track!

Authorized User Accounts

This is the fastest and most cost effective way to get established credit lines on your report. If you have someone in your life who knows you, loves you and trusts you that has good credit, they can help you fast track your credit.

This happens by them adding you to some of their existing revolving credit card accounts as an authorized user. The best lines have been established a long time and have high credit limits. They should not carry high balances as this can be bad for your score.

You do NOT need to possess the card or have access to the account. So the account holder is not at risk. Your credit will not migrate to their report.

When Considering This Option Keep in Mind:

You will get the credit history of their credit line on your credit report.

They should have a good long payment history on their account.

They should never use over 30% of the credit line.

The older the account is and the higher the credit limit the better.

You just need to have the card issuer add you as a authorized user.

The card can be mailed to them and they may remove you any time.

This will help you to qualify for better credit lines of your own faster.

Remember you still need to open credit lines of your own as some of the FICO
mortgage scoring models will not score authorized user accounts.

Sometimes you must use a “Special Address” to get these trade lines to post. This is simply a mailing address that you must temporarily use in place of your own to get tradelines from certain banks to post.

This involves lines from Chase, Discover, Wells Fargo, and a few smaller banks. There are two ways to post these lines. You can either initiate a “hard pull” on your credit or get a credit monitoring account such as Experian.com or Transunion.com. Please, note that special address lines usually do NOT post to Equifax.

Easy To Qualify Revolving Credit

These vendor acounts are extremely easy to qualify for. They are very strong on your credit report. They may only be used with the originating vendor.

You can put $15,000 of individual revolving credit lines on your report quickly.

This is an pretty inexpensive way to establish a lot of positive credit And raise your scores quickly.

Here is a very good account to start building positive credit.
It is super easy to qualify for Jewelry and has a $5000 credit limit.

You Must Meet the Following Criteria To Qualify:

Be approved by the Finance Department

Place an initial order of $100.00 or more

Digitally E-Sign Contracts

Complete down payment

Here is another account to start building positive credit. 5K, Unsecured Revolving line of Credit. They have a wide variety of goods, many in a slightly higher price range. They also report to all three bureaus

You Must Meet the Following Criteria To Qualify:

This Program Is phasing out and may be unavailible.
Please stay tuned for the new
monthly with up to 8K credit

Be approved by the Finance Department

Place an initial order of $100.00 or more

Digitally E-Sign Contracts

Complete down payment

Here is a another very good account to start building positive credit. 5K, Unsecured Revolving line of Credit for Household and Electronics. Reports to Equifax and Experian.

You Must Meet the Following Criteria To Qualify:

Be approved by the Finance Department

Place an initial order of $100.00 or more

Digitally E-Sign Contracts

Complete down payment

You can have rent payment reported to Eqifax and Experian credit bureaus. This is reported as a installment loan to help your credit mix! This is an easy one. You either have a house payment or pay rent. Now rent can be added to your credit reports.

The only service that reports to all 3 Bureaus

Guaranteed to help your credit score

Reporting is done monthly

Fantastic option to increase your credit mix if you have 0 installent loans

Here is a good selection of more traditional Credit Cards to get your credit started.

If you have no cards we suggest starting with a couple of secured cards. Otherwise select offer appropriate to your credit score.

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Build Credit.

Authorized User Accounts

Easy To Qualify Revolving Credit

Here is a very good account to start building positive credit. It is super easy to qualify for Jewelry and has a $5000 credit limit.

Here is another account to start building positive credit. 5K, Unsecured Revolving line of Credit. They have a wide variety of goods, many in a slightly higher price range. They also report to all three bureaus

Here is a another very good account to start building positive credit. 5K, Unsecured Revolving line of Credit for Household and Electronics. Reports to Equifax and Experian.

You can have rent payment reported to Eqifax and Experian credit bureaus. This is reported as a installment loan to help your credit mix! This is an easy one. You either have a house payment or pay rent. Now rent can be added to your credit reports.

Here is a good selection of more traditional Credit Cards to get your credit started.

If you have no cards we suggest starting with a couple of secured cards. Otherwise select offer appropriate to your credit score.

Here is a very good account to start building positive credit.
It is super easy to qualify for Jewelry and has a $5000 credit limit.