Rebuilding Your Credit

To truly benefit from our services, having active credit accounts is essential. If new accounts are necessary for your credit journey, we’ll guide you on how to open them and manage them effectively to boost your credit score.

Why Secured Credit Cards Matter
Removing negative items from your credit report is a significant step, but without active accounts, your credit score might not reach its full potential. Secured credit cards are often the best option for rebuilding credit. They are generally easy to obtain, with a low risk of rejection, and can help you see substantial improvements in your credit score.

• Take Action: Build Your Credit
  
• Local Bank Option: You can also explore secured card options at your local bank. Be aware that applying may involve a hard credit inquiry.

Start Building Now

The earlier you start building positive credit, the faster you’ll achieve the score you’re aiming for. As we work on addressing the negative items on your credit report, it’s equally important for you to establish a strong credit history. New credit accounts take time to reflect in your score, so if additional credit is needed, we’ll inform you right from the start to help you get on the right path quickly.

As you know, building up credit is a process. Along with repairing your credit, you'll need a credit card to reflect creditworthiness. Starting with a secured credit card is a fantastic idea! Banks usually require an initial deposit of $200-$500 deposit. 

This deposit will be available for your usage within days of applying for the card. Be mindful not to exceed the 30% utilization of your credit limit.

Example: Credit Limit is $300.

30% utilization is $90. Don't exceed $90

I strongly suggest that you use this card to make small purchases such as gas or groceries and pay the balance in full each month. This will show your creditor that you are responsible and creditworthy. In a few short months, your secured card will convert to an unsecured card.