Credit Building offers

Whether you have less than perfect credit or no credit at all, you can benefit from adding new, positive lines of credit to your credit report. The added availability of revolving credit improves your revolving credit usage ratio, which is a major component of your credit score (30% of your overall score). Also, since negative information can be reported for seven years (some accounts like chapter 7 bankruptcies for ten years), with a new, on time, payment history, you can begin to establish a “New You”, credit wise. Your payment history accounts for 35% of your score, establishing an on time payment history and building it over the course of months and years, will help by deemphasizing the older negative information and give more weight to the newer positive credit history. Raising your credit score through our Credit Repair Program, can potentially save you thousands of dollars over the life of your loan. If you are planning on applying for a mortgage or other loan within the next 3 to 6 months, these tools are a must have.

CREDIT CARDS

If you have been through a bankruptcy or have poor credit and you are ready to start rebuilding your credit, one of the best ways to do so is by getting a credit card that reports your payment history to all three credit bureaus. We have secured and unsecured cards. We have researched the most affordable cards that will provide the maximum benefit to our clients.

Credit cards for people building their credit.

 

RENTAL REPORTING PROGRAM

Do you rent a home or apartment? Pay Your rent as you have been, and your on time rent payments are now reported to selected credit bureaus to help boost your credif profile and increase that credit score. Report the past two years of rent payments for a possible boost to your credit score!
Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It’s quick and easy! We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.
Pricing: $8.95 Monthly (Keeps Trade Line Open) – $25 One time set up fee – Optional: $99 Historic Reporting

CREDIT BUILDING SAVINGS ACCOUNT

A Better Way To Build Credit – Build Credit History and/or have an installment account reported! Build Credit – Payments reported to all 3 major credit bureaus. No Upfront Deposit – Pay as little as $8.95 to get started today. Monthly Deposit Plan Options: $15, $30, $50, $48, $89, $96


When you open your account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan. Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service. When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings. We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.

Beach Run