Tools For Building Your Credit

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Elyse Wood.  

[Path To Good Credit]


Sometimes a consumer doesn't have bad credit, or negative items on their credit report. Some, simply have not built enough of a credit profile to obtain credit.

Here are some Credit Builder Products you can apply for to begin to build credit.  These tradelines will guarantee you new lines of credit that reports directly to the credit bureaus every month. Here are your options, to help you reach a better credit score:

 How To Build Your Credit: 

HUTTON CHASE - offers a $1,500 line of credit However with this particular creditor you have the option of opening 2 lines of credit at $1,500 each for a grand total of $3,000 line of credit! Hutton Chase

Requirements: A minimum purchase of $150 at least once every six months. The $150 is charged to the established line of credit and split into five monthly payments of $30.

Those five monthly payments are reported to the credit bureaus. If the minimum purchase requirement is NOT fulfilled within the six month time frame, we charge a $20 membership fee which only keeps the account open and active but not reporting.

Here are a few key pointers about each account. Hutton Chase -

Reports to Equifax and TransUnion - No hard Inquiry, No Credit Check, No Income Verification -Possible boost in credit scores of 15-25 points the first month of reporting -$1,500 line of credit -Product line (electronics, cookware, savings club, etc) -$30 activation fee Sign Up here: 

OX PUBLISHING offers a $2,500 line of credit that reports to Equifax only; however with this particular creditor you have the option of opening two lines of credit at $2,500.00 each for a grand total of $5,000 line of credit! 

By applying for an account today, you will have immediate access to your full advanced purchase amount in the eBooks/Music store! If you select to finance part of your initial purchase, you will owe monthly payments and those payments will not be automatically charged each month.

You will be required to log-in each month to pay your bill. Sign up here: MY JEWELER CLUB offers $5,000 line of credit 

To qualify for an account with you must meet the minimum below criteria: Requirements: You must be a US Citizen, be 18 years or older, have a valid social security number, have a monthly income of $1400 and complete the quick and secure online application. Start your account in 3 easy steps.

 Place a minimum of $100.00 of  products into your shopping and complete the secure online application. Complete payment for membership fee and any applicable down payments or sales tax. Check for an email from Adobe echo sign and sign your electronic credit agreement. 

There are a few reasons for denial. 1.) Active bankruptcy 2.) Outstanding Child Support 3.) Excessive IRS tax liens (Over $35,000) 

My Jewelers Club -Reports to all 3 credit bureaus (you will receive a hard pull on Experian only) -$5000 line of credit -Possible boost in credit scores of 15-50 points the first month of reporting -Product line (Jewelry) -$99 activation fee -Fully Refundable activation fee if not approved. Sign Up Here: 


RENT REPORTERS - Why not boost your score with something you’re doing already. Paying your rent. Rent Reporters will report 24 months of your on-time rent payments to the credit bureau. CLICK on this link to get started. 

SELF LENDERS  A credit builder account is a small loan that's held in a CD account for 12 months. The account is FDIC insured, earns 0.10% APY† interest and is held for you in your name during the term. The credit builder account offered inside Self Lender works like this: ⦁ Their banking partner lends you money that is held in a FDIC insured, certificate of deposit bank account ("CD account") for 12 months. ⦁ Next, you make 12 equal payments over the course of your term to repay the credit builder account. Payment history is reported to the credit bureaus each month. ⦁ At the end of the term, you've paid off your loan and your CD has matured (and earned interest!). Plus, you've demonstrated months of payment history to the credit bureaus. 

Sign up here: 

FINGERHUT Fingerhut is a catalog and online retailer that sells a little bit of everything, from toys to electronics. Sort of like Amazon. Fingerhut offers a “Fresh Start Program” which is designed for people who want to shop and get what they want now while building their credit and buying power over time.

The Fresh Start Program is a one-time purchase installment loan that requires a low down payment before your order ships.You will get six months to pay off the remainder of your balance in equal payments, and get a MetaBank/Fingerhut Credit Account with a larger credit line once your balance is paid off.

If you complete the Fresh Start program, your Fingerhut Credit Account will have a limit of up to $250. The Fresh Start program does report to credit bureaus as an installment loan, so it will help you build your credit. 

Gettington Credit Card  is a no-fee credit account for Gettington customers. Gettington is an online direct retailer selling a wide selection of products. Gettington is a brand owned by Bluestem Brands, Inc, which has operated the Fingerhut brand since 1948. 

Gettington provides its customers with credit accounts through WebBank to make buying more affordable. Gettington Credit Card works like a store charge card for Gettington customers.  It has no annual fee and accepts people with below-average credit.

If your credit score is below average, for example, less than 680 FICO score, and look for a no-fee credit card to rebuild your credit history, Gettington Credit Card is a good choice, because Gettington reports your credit activities to multiple credit bureaus. 

All you need to do is to apply for the Gettington credit account online, make purchases for merchandises that you need anyway, and make payments on time to grow your credit score. They report to Transunion and Equifax. 

Adding these tradelines can build your credit and help with your credit utilization if it is already high. 

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