Anybody need help building or fixing their credit?

[MR. SNIFLES]

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

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

THE STORE CARDS GIVE FASTER RETURNS. THEY UP THE LIMITS MUCH FASTER THAN REGULAR CREDIT CARDS.

 

[Flu Game502]

THE STORE CARDS GIVE FASTER RETURNS. THEY UP THE LIMITS MUCH FASTER THAN REGULAR CREDIT CARDS.

Them store cards dont always report

 

[MR. SNIFLES]

Them store cards dont always report

FINGERHUT DOES. THAT'S THE REASON I MENTIONED THEM.

 

[Flu Game502]

FINGERHUT DOES. THAT'S THE REASON I MENTIONED THEM.

They sent me a pre approved offer in the mail but their stuff is very expensive

 

[Ayo]

THE STORE CARDS GIVE FASTER RETURNS. THEY UP THE LIMITS MUCH FASTER THAN REGULAR CREDIT CARDS.

store credit lines (that aren’t issued by VISA or MC) have little to no positive effect on most FICO scoring models. If anything, they just fukk up your income to debt ratio if you carry a balance and they are reporting the trade line.

they might help you in a manual review of a credit app though.

 

[NatiboyB]

it's 2 different places where you can get $5000 credit lines for about $150 a year My Jeweler and National Credit Direct or New Coast Direct. I'd rather deal with them than Finger hut. You get both of them you will have an additional $10,000 of revolving available credit. One of National Credit Direct or New Coast Direct only reports to 2/3 of the credit bureaus.

Having that extra $10,000 or $15,000 can really assist your credit utilization.

 

[Flu Game502]

it's 2 different places where you can get $5000 credit lines for about $150 a year My Jeweler and National Credit Direct or New Coast Direct. I'd rather deal with them than Finger hut. You get both of them you will have an additional $10,000 of revolving available credit. One of National Credit Direct or New Coast Direct only reports to 2/3 of the credit bureaus.

Having that extra $10,000 or $15,000 can really assist your credit utilization.

Those really help ppl with high utilization that needs to be paid down.

I wonder how long before lenders catch on to this trick???

 

[NatiboyB]

Those really help ppl with high utilization that needs to be paid down.

I wonder how long before lenders catch on to this trick???

I don’t even think it’s a trick. It’s a lot of companies with credit lines...I’m low key trying to figure out how to create a business where I can give a huge line of credit and sale some bs at a markup.

 

[General Mills]

it's 2 different places where you can get $5000 credit lines for about $150 a year My Jeweler and National Credit Direct or New Coast Direct. I'd rather deal with them than Finger hut. You get both of them you will have an additional $10,000 of revolving available credit. One of National Credit Direct or New Coast Direct only reports to 2/3 of the credit bureaus.

Having that extra $10,000 or $15,000 can really assist your credit utilization.

My jeweler is legit. Used them two years ago and my score jumped up

 

[Flu Game502]

I don’t even think it’s a trick. It’s a lot of companies with credit lines...I’m low key trying to figure out how to create a business where I can give a huge line of credit and sale some bs at a markup.

Real talk. I was thinking about the same thing. I wonder how much money it takes to start up something like my jewelers club???

 

[Bryan Danielson]

Try Self Lender it has worked wonders for your boy real talk. Score went up 107 points in two months no lie. I will drop the link below.

Self Credit Builder Loans (formerly Self Lender)

@BrothaZay

 

[Flu Game502]

@BrothaZay

Piff

 

[bnew]

is there a cheaper alternative to self lender?

 

[Flu Game502]

is there a cheaper alternative to self lender?

Self is cheap..you can't afford $25 a month breh?

 

[NatiboyB]

is there a cheaper alternative to self lender?

kikoff is the cheapest you can get it’s free