YOUR GOAL IS TO GET AT LEAST 2 TRADE ACCOUNTS and 2 funding accounts REPORTING
ON YOUR PERSONAL CREDIT REPORTS.
PLEASE SCROLL TO APPLY FOR TRADE ACCOUNTS AND DON’T PROCEED TO THE NEXT STEP UNTIL THE TRADE ACCOUNTS ARE REPORTING.
You currently Should have any NEGATIVE ITEMS on Your credit reports removed or in final rounds of dispute with completion of THE PERSONAL CREDIT repair COURSE PRIOR for best results.
The Most Effective Tool for repairing Bad Credit is to add More Positive than negative accounts.
Remember to use your correct Personal information when applying, as all information should match your Public records perfectly with all Bureaus.
When you make a purchase, Remember to stay under your target utilization.
Never Exceed more than 30% of overall Credit but for best results stay under 5 - 10%
To ensure that your vendor’s report your payments, make a purchase of $50 or more.
On average it takes 30-60 days for your trade accounts to report and to complete this step.
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Use Tools Like Rental Karma & Rent Reporters.COM to get your monthly rent/mortgage Reporting, they report to all Bureaus and Can Backdate your payments up to 24 Months Giving you 2 Years of Perfect Payment History!
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FINGERHUT ADVANTAGE
HIGHLIGHTS
-Minimum Credit Requirements
Recommended Credit
300 - 850 (Poor - Excellent)
REPORTS TO:
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ALL BUREAUS
TERMS:
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STORE CREDIT CARD
Once a home catalog company, Fingerhut is now a large online retailer that specializes in offering closed-loop credit lines to shoppers with poor credit. Fingerhut.com has thousands of items from hundreds of popular brands like Samsung and KitchenAid. Applicants who don’t qualify for a WebBank/Fingerhut Advantage Credit Account will be automatically evaluated for a WebBank/Fingerhut FreshStart Installment Loan
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KOHLS CHARGE CARD
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TJX Rewards
Platinum Mastercard
HIGHLIGHTS
-Earn 5% on TJX store purchases
Recommended Credit
650 - 699 (Fair - Good)
REPORTS TO:
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ALL BUREAUS
TERMS:
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STORE CREDIT CARD
If you're a bargain hunter, the TJX card could be a fit as you'll rack up rewards more quickly on your deals . Earn 5% back in rewards when you shop at T.J.Maxx, Marshalls, HomeGoods, Sierra and Homesense stores with a TJX Rewards credit card
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JCPenney
Credit Card
HIGHLIGHTS
- 150+ credit savings days just for JCPenney Credit Cardmembers
Recommended Credit
650 - 699 (Fair)
REPORTS TO:
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ALL BUREAUS
TERMS:
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SECURED CREDIT CARD
If you still go to the mall, the JCPenney's enhanced rewards on both brick-and-mortar and online purchases at their stores may work for you.
HIGHLIGHTS
- Combine your Kohl’s Card discounts with Kohl’s Cash and rewards
Recommended Credit
650 - 699 (Fair)
REPORTS TO:
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ALL BUREAUS
TERMS:
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STORE CREDIT CARD
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Dedicated Kohl's shoppers will appreciate the opportunity to build credit with this no-annual-fee card while getting exclusive discount offers.