How Long Do Tradelines Stay On Your Credit
Blog
Amanda Garland

How Long Do Tradelines Stay On Your Credit?

Tradelines can stay on your credit reports for up to 10 years after you close the account.  However, suppose you have any negative remarks on the account, like late payments. In that case, the negative information falls off of your credit report seven years from the initial delinquency date. A tradeline consists of any account

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Best Secured Credit Card to Build Credit
Product Reviews
Nick Gallo

The Best Secured Credit Cards to Build Credit in 2022

We’ve put together a list of the six best secured credit cards to build credit with on the market in 2022. We have also ranked them on multiple factors, including their effectiveness, costs, and accessibility. Citi took the crown as the “Best Overall” secured credit card to build credit, but the others mentioned here are

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Does a Cell Phone Bill Build Credit
Blog
Sydney Englund

Does a Cell Phone Bill Build Credit?

Not usually. That’s because cell phone bills are not typically reported to credit reporting agencies.  However, there are services that can help you build credit through cell phone payments and other bills you pay, as well as other options you can consider for building credit.    Does Paying a Cell Phone Bill on Time Help Me

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DIY credit repair
Blog
Seychelle Thomas

The 9 Steps of DIY Credit Repair

Fixing your credit on your own is a big undertaking. It can quickly become an overwhelming process when considering all of the dispute letters, correspondence, and tracking. The more complex your credit situation is, the more time you’ll have to dedicate to fixing it.  Many people confuse the terms “credit repair” with “credit building”. It’s

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Best Credit Repair Software
Product Reviews
Seychelle Thomas

The Best Credit Repair Software for 2022

Each credit repair software has its strengths. Some are great at producing letter templates and tracking disputes. Others do the dispute for you and help you monitor your credit for any problems that come up later.  We’ll help you by reviewing the best credit repair software out there by assessing their strengths, opportunities, and why

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Debit Cards That Build Credit
Product Reviews
Amanda Garland

Debit Cards That Build Credit

If you are wanting to start building credit but you only ever use cash or debit cards for your purchases, what can you do? Traditional debit cards don’t build credit history or affect your credit score.  But there are specially designed debit cards that can help you achieve a good credit score. These card issuers

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Extra Debit Card Review
Product Reviews
Amanda Garland

Extra Debit Card Review

When you pay for everything in cash or with a debit card, it can be hard to build credit. After all, to build credit, you usually need to obtain debt.  But the Extra debit card is different. This debit card works like a credit card in that it reports your payment activity to the credit

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Does a Debit Card Build Credit
Product Reviews
Amanda Garland

Does a Debit Card Build Credit?

Do you pay for everything with cash or a debit card? If so, this is probably great for keeping your budget on track. Unfortunately, it also means you are not building credit history.  If you are only ever using cash or a debit card for purchases, then you likely have bad credit or no credit.

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Tradelines to Build Credit
Blog
Amanda Garland

7 Tradelines to Build Credit – 50+ Score Increase

Name Type Credit limit Availability Price Action CreditStrong Credit builder account $1,000 In stock $15/mo. Buy Now Extra Debit card that builds credit Varies In stock $8/mo. Buy Now BoomPay Rental tradeline Varies In stock $25 Buy Now Indigo Credit card $300 In stock $99 Buy Now Grow Credit Revolving account $204 In stock $41

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