BUILD POSITIVE CREDIT

I recommend a mix of 2-3 revolving accounts and 2-3 installment accounts.

Revolving accounts consist of credit cards (secured and unsecured), lines of credit, and charge cards. Revolving accounts have a limit that the lender has approved you for, and you are eligible to use that amount, while making minimum payments every month to pay off the balance you used.

Installment accounts consist of loans (auto, personal, credit builder, and student, just to name a few), and mortgages. Installment accounts have a designated amount owed, with a designated amount you must pay every month.

I have partnered with the following companies to help you build positive credit. BE RESPONSIBLE.

CREDIT BUILDER LOANS

What Real Self Customers Have To Say:

“After I signed up for one of their account options,  my credit score continue to improve to over 111 points in a very short time” – Mike

“My credit has shot up probably 30-40 points. Do not do this if you aren’t sure if you can afford to make payments.” – Ray

UNSECURED CREDIT CARD

See if you’re pre-approved for card offers—with no harm to your credit

What Real Capital One Customers Have To Say:

“I started with a credit limit of $300 and worked up to a product switch with a $4,300 limit in a short period of time. It also helped raise my credit score since the only other debt I have and pay monthly is my student loans. ” – Ashley

“This was the foundation for me building my solid 800+ credit score. Since establishing solid financial spending with my Capital One card, I now have accounts with the top banks like AMEX. ” – Tristan

SECURED CREDIT CARD

We ONLY recommend this card if your credit is so bad that you don’t qualify for an unsecured card.

What Real Credit Builder Customers Have To Say:

“I started with a score of 542 and it started going up quickly ” – Lesa

“This is a good starter card for someone who has marred their credit in the past and wishes to reestablish credit. ” – John