BUILDING YOUR CREDIT
WHILE IN OUR PROGRAM WE HIGHLY RECOMMEND BUILDING SO YOUR SCORE WILL INCREASE AS WE DISPUTE AND REMOVE ITEMS.. IF YOU SKIP THIS PART YOU WONT SEE GOOD RESULTS FAST. The chart below will break down what makes up your credit and score...
WHEN BUILDING CREDIT PLEASE FOLLOW THIS PROCESS:
- GET AT LEAST 2 CREDIT CARDS ( IF YOU ARE AN AUTHORIZED USER YOU MUST HAVE AT LEAST 1 IN YOUR NAME ALONE
- GET AT LEAST 1 SHORT TERM INSTALLMENT LOAN ( UNDER 24 MONTHS) ex: kikoff or self
- GET AT LEAST 1 LONG TERM INSTALLMENT LOAN ( OVER 24 MONTHS) ex: auto loans, mortgages and student loans
- KEEP REPORTED CREDIT UTALIZATION UNDER 10% ex: if you have a credit card with $1000 limit only spend $100/mo and pay on time
