Anybody need help building or fixing their credit?

[Counter Racist Male]

Sign up.
Pick a monthly plan.
Pay bill on time.
On time Payments report to your credit.
Credit score goes up.

What about getting a secured CC?

 

[GoFlipAPack]

800 gang over here playboi

 

[MR. SNIFLES]

JUST TO ADD A LIL SOMETHING TO IT. GET YOU A FINGERHUT ACCOUNT. THEY REPORT OUT TO THE BUREAUS. I JUST BUY SOMETHING LIKE A SHIRT EVERY YEAR TO KEEP IT OPEN. IT SHOWS UP LIKE A CREDIT CARD ON YOUR REPORT.

IT PROVIDES A NICE BUMP TO A SUB 600 SCORE. YOU'LL GET INCREASES MUCH FASTER THAN A REGULAR CREDIT CARD.

 

[Double Burger With Cheese]

How do rent an apartment or house?

cash money order from the post office deposited into my landlords account at her bank

 

[Flu Game502]

What about getting a secured CC?

That helps too. It doesn't hurt to have revolving credit and an installment loan on your credit report.

 

[Flu Game502]

800 gang over here playboi

Ok

 

[Flu Game502]

JUST TO ADD A LIL SOMETHING TO IT. GET YOU A FINGERHUT ACCOUNT. THEY REPORT OUT TO THE BUREAUS. I JUST BUY SOMETHING LIKE A SHIRT EVERY YEAR TO KEEP IT OPEN. IT SHOWS UP LIKE A CREDIT CARD ON YOUR REPORT.

IT PROVIDES A NICE BUMP TO A SUB 600 SCORE. YOU'LL GET INCREASES MUCH FASTER THAN A REGULAR CREDIT CARD.

They sent me a catalog in the mail. They offered me a pre-qualified $600 credit limit but I said fukk that because Im not wasting an hard inquiry on them and that overpriced shyt they sell.

 

[GoFlipAPack]

Ok

 

[Flu Game502]

You're a clown

 

[DJ Paul's Arm]

Just get a Target Credit Card and use it to buy everyday necessities then pay it off in full every month.

 

[Flu Game502]

Just get a Target Credit Card and use it to buy everyday necessities then pay it off in full every month.

Is it easy to get approved?

 

[blackgentlemenvoice]

From the website:


How it works
Build credit while saving money, starting at $25^ per month.

Apply for a Credit Builder Account.
Your money is safe and secure.

Pay off your Credit Builder Account in the specified amount of time.
You can choose the payment term and dollar amount that best fits your budget.

Each on-time monthly payment builds credit history and adds to your savings.
Your monthly payments are reported to all three credit bureaus.

Unlock your savings.
Once you’ve paid off your Credit Builder Account, your CD unlocks and the money is yours (minus fees and interest).



OP it says this is a CD? When does it mature? How much did you start with and how much will they be taking out in fees and interest? And is this an affiliate link that you’re posting? What do you receive for each person who signs up using your link?

It probably is a affiliate link but it does work. This is perfect for people who have no negative marks on their report but are also horrible with cash/credit on hand. I have a few friends like this make great money but are basically living 2 checks away from being poor because they don't check their bank account and just spend. helping them get a credit card with no discipline was the WORST decision.

some credit union offer both option for building credit

I don’t have any credit card besides the secured OpenSky one and yes I do have negative items on my report.

the negative items are killing you...settle those quick.

 

[MR. SNIFLES]

They sent me a catalog in the mail. They offered me a pre-qualified $600 credit limit but I said fukk that because Im not wasting an hard inquiry on them and that overpriced shyt they sell.

THE POINT OF IT IS TO FREE UP AVAILABLE CREDIT. LETS SAY YOU HAVE A $500 CREDIT CARD. YOU NEED TO STAY UNDER 30% UTILIZATION. THAT'S ONLY $150. IF YOU TAKE THE $600 FROM FINGERHUT YOU NOW HAVE $1100 IN CREDIT. SO NOW YOU CAN USE $330 ON THAT CARD AND MAINTAIN YOUR 30% UTILIZATION.

I DON'T USE MY FINGERHUT ACCOUNT FOR ANYTHING OTHER THAN UTILIZATION AND AGE OF CREDIT.

 

[Flu Game502]

THE POINT OF IT IS TO FREE UP AVAILABLE CREDIT. LETS SAY YOU HAVE A $500 CREDIT CARD. YOU NEED TO STAY UNDER 30% UTILIZATION. THAT'S ONLY $150. IF YOU TAKE THE $600 FROM FINGERHUT YOU NOW HAVE $1100 IN CREDIT. SO NOW YOU CAN USE $330 ON THAT CARD AND MAINTAIN YOUR 30% UTILIZATION.

I DON'T USE MY FINGERHUT ACCOUNT FOR ANYTHING OTHER THAN UTILIZATION AND AGE OF CREDIT.

I feel you but I always keep my utilization low on my other cards.

And as a word of advice, never go above 10% credit utilization. 30% is safe but at the same time its still too high.

 

[JordanWearinThe45]

JUST TO ADD A LIL SOMETHING TO IT. GET YOU A FINGERHUT ACCOUNT. THEY REPORT OUT TO THE BUREAUS. I JUST BUY SOMETHING LIKE A SHIRT EVERY YEAR TO KEEP IT OPEN. IT SHOWS UP LIKE A CREDIT CARD ON YOUR REPORT.

IT PROVIDES A NICE BUMP TO A SUB 600 SCORE. YOU'LL GET INCREASES MUCH FASTER THAN A REGULAR CREDIT CARD.

Those store type accounts are trash. If it ain’t a real card I would not even want the inquiry.

I don’t have any credit card besides the secured OpenSky one and yes I do have negative items on my report.

Settle up those negative joints and dispute them so they come off you report. Orrrr if it’s close to 7 years don’t pay out and it’ll drop off automatically