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Building a good credit history is important to your financial health.

You need active tradelines to build credit history.

Used responsibly, credit can help you to be approved for lending opportunities like a mortgage or auto loan, or to finance larger purchases such as furniture or major appliances.

A pretty solid rule of thumb that we recommend is to maintain at least (3) three active tradelines, consisting of (2) two credit cards, and (1) one installment loan. Keep in mind however, that your consultant may have seen something in your credit profile that provides for a variation in order to adequately round out your credit profile.

Revolving and Installment accounts are the two main categories for borrowed money. 







The most common form of Revolving Accounts are Credit Cards:

A revolving account is an account created by a lender to represent debts where the outstanding balance does not have to be paid in full every month by the borrower to the lender. The borrower may be required to make a minimum payment, based on the balance amount.

Under revolving tradelines there are many options from the standard Visa, MasterCard, Amex, and Discover, to retail and specialty cards, all of which play a role in determining your ability to manage debt, and your willingness and ability to pay.







The most common forms of Installment Accounts are home and auto loans:

Installment accounts are those that have a fixed payment for a fixed period of time. As with revolving accounts you are not required to pay them in full each month. You are allowed to make a payment that is going to be the same every month until the loan is paid in full.

Approval of an application for any 3rd party credit and lending products cannot be guaranteed, however we make our best effort to ensure the product offerings referenced here are among some of the most viable solutions available to credit challenged consumers.

Every effort has been made to ensure that this information is up-to-date and accurate, however if you have any difficulties, or experience any issues during or after the application process, please notify us through the FEEDBACK form so that we can look into it without delay.