Building, rebuilding, increasing credit scores in a flash. Do it yourself.

We know that you know the importance of credit and credit scores. That is why we have added this page to our website to help you find solutions to increasing your credit scores.

There are four main ways to build, re-build, and or increase your credit scores.

1. Credit Repair: Credit Repair Companies charge money upfront to dispute your negative trade lines; which you can do yourself for FREE. Inquiries also affect your credit scores, and it is estimated that for every inquiry you have deleted you will gain a 2-5 point increase. To Dispute inquiries you must call the Credit Bureaus (Call Trans Union and Experian, Equifax will allow you to dispute them online). Dispute tradelines with each bureau, this could take up to 45 days. Go to the following links to gain FREE access to the online dispute pages:

Experian

Equifax

Trans Union

For a list of Phone & Fax Numbers please click here: Bureau Phone Numbers

2. Secured Visa: Open a Secured Visa (A secured visa reports to your credit and helps increase your credit scores, most secured visas can allow you to deposit a minimum of $250.00 onto your new card. Be sure to not go over 50% of your initial deposit). To view our affiliated partners secured, student, and prime credit cards. Go to Credit Card Page Selector. Click Here

3. Sub-Prime Merchandise Line of Credit: The Fastest and most effective way to help increase your credit scores, is by the use of a Sub-Prime Merchandise Card. Basically it works as such, you apply for lets say a $5,000 unsecured line of credit via a catalogue. You will be charged anywhere up to $300 for this account.

Now you have to think long and hard as to why you would need such a tradeline on your credit, and understand the benefits to have such a tradeline reflecting, and increasing your scores. Revolving trade lines make up a majority of your credit score, and this tradeline will reflect 100% of your balance as available; which can increase your scores substantially.

Thus, we suggest, if you plan on obtaining this kind of account, that you look at it as an investment in your credit purchase. That the application fee(s), and any other fee(s) associated are strictly for an added tradeline to your credit. If you are interested in obtainng a Sub-Prime Unsecured Merchandise Line of Credit Click Here. The card you will be applying for provides you with the following:

$5000 Unsecured Line of Credit tradeline on your credit report within 20 calendar days.
No minimum credit score required.
The fee(s) asscosiated are $295.00 or $195 and 5 payments of $20
The money invested is converted to a catalaogue credit to purchase e-books.
The program is only for 6 months, you can continue to use the tradeline for an additional $100 every 6 months or $20/month.
The increase in scores will vary but typically when an unsecured credit tradeline is reported to ones credit with an open available balance of the total line of credit, it improves scores anywhere from as little as 50 points to over 100 points.
This is a great investment and a well kept secret in the credit world.
When purchasing a home this tradeline will not impact your total montly debt as the balance in 100% available.
$10,000 Unsecured Line of Credit Tradeline also available, however, the higher tradeline does have a credit score requirement of 620, this one is great for new business owners, needing to start credit for their business, and with the DNB.

4. Piggybacking: This is where you are added as an authorized user to someone elses credit account. The account holder will have to call their credit card company and simply have you or who ever they'd like added as an authorized user to the account. This is very beneficial because lets say your mom has excellent credit and has had all of her accounts open, and revolving in a positive status for the last 10 years, and she now adds you as an authorized user. The new account will appear on your credit reports as of the date that your mom opened the account. In other words, in a flash this technique can put years of positive credit history on your credit reports.

Ultimately, providing you with excellent credit.