BUILDING CREDIT

Increase Your Credit Score

Our credit repair program has been carefully designed to produce the optimal results as efficiently as possible. We are going to do everything in our power to make your experience with us happy, satisfying, and above all, productive.

Credit Report and Credit Score two different things

FICO or FAKO

Obtaining Revolving Credit

Secured Credit Cards

Installment Debt

What does it take to build credit?

Many people believe that just because they have a job, and are a good person that they should have the right to have credit, well, it would be nice if it were that easy, but as with anything, it is never that easy.

But, how do you get credit if you have never been given any credit. It can be very frustrating to try and break that cycle, but with effort and persistence it can be done. And if it is done correctly you will be able to reap the rewards for these efforts for years to come.

For the credit scoring algorithm to give you a credit score it is fairly simple, you have to have at least one open and active trade line that has been reporting for at least 6 months, and it cannot contain a deceased marker or be in dispute. Seems easy doesn’t it, but how do you get a lender to be the first one to take that chance on you? Enter your information in below and I will send you information on ways to do this.

The Easiest Way to Build Credit

Get A Fast Reporting Card to All 3 Bureaus!

Start
Apply in Minutes + No Credit Score Requirement
Start
Deposit
Put Down $200 Deposit To Open Your Secured Credit Card 
Deposit
Build
Build Credit by Making Purchases With Your Secured Credit Card
Build
Use Your Card Anywhere

CLICK HERE TO GET STARTED TODAY!

Online Jewelry Store Card

  • Easy Approval
  • Establish Credit As You Shop
  • Joint accounts are available
  • New accounts report monthly to Trans Union and Equifax
  • Name Brand Jewelry
  • New Jewelry Added Daily
  • Up to $5,000 Unsecured Revolving Line of Credit
  • A Low 19.9% APR -Flexible Payments
  • Low Cost Membership Fee
  • Members Only Discounts
  • Fast Reliable Free Shipping
  • Over 30,000 items available with new items being added daily
  • This is a catalog card to shop at a specific website, not a credit card.
  • Available in ALL US States EXCEPT:  Wyoming, Alabama, and Mississippi
  • You must have credit history, good or bad to be approved.

APPLY NOW!

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What is the difference between FICO and FAKO

If you are looking at a credit report that a lender from a financial institution has pulled then it will also have credit scores on it, so essentially you have two different documents compiled into one report. You have the information the credit bureaus have kept on you and compiled, the credit report, then you have the credit score, which is this information taken and ran through an credit scoring model which gives you a score for the lender use in order to decide whether or not you are credit worthy to loan money to.

If you are looking at a credit report you have personally purchased then the scores you are looking at are very likely not to be FICO scores, but as we liked to say FAKO scores, the reason being they are not paying FICO to run their report through the scoring model, so they, the company you are getting your credit report from, has created an algorithm as close to what they think the FICO score is without being FICO. That is why when you look at your credit report as a consumer and you look at a credit report that is pulled by a lender your scores vary, sometimes as much as 100 points or more.

Credit Cards and Installment Debt will they both help me equally while I am building credit?

They are both important pieces to the puzzle when you are looking at your credit profile. It is very important to have a good mix of credit, lenders like to see that you have the ability to handle all types of credit. You can remember to pay the smaller bills and you have the ability to pay the larger ones like your car payment or your house payment.

If you have a car payment this is considered an installment loan, because you don’t have the ability to charge the same amount over and over again, you borrow one lump sum of money and pay it off one time and then you are done with that debt. A credit card on the other hand is considered a revolving account because you can borrow $1000 dollars this month pay off $500 and borrow it again next month if you wish.

Revolving debt has a much higher impact on your credit report than an installment loan, however, they both are very important and both are needed on your credit report.