Rebuilding Your Credit
Now that you've been given the tools and information necessary to protect & preserve your credit, you can now move on to the credit rebuilding process.
Experian
Create an Experian profile and pay for the $24.99/mo. subscription plan. Doing so grants you access to all 3 major credit bureaus. Amongst the multiple features you will have access to, the main one you want is the "Experian CreditLock" feature.
Freeze vs Lock
In most cases, freezing your credit will be good enough to stop most prying eyes. Unfortunately, creditors can still access your information. Therefore, locking your credit will not only become a more aggressive approach, but it will provide more safeguards against inquiries and it will put your mind at ease. The best part is being the one in control of who can access your credit. Just a simple click of a button unlocks or re-locks your credit profile!
Credit Builder #1
This program is one of the best credit builder services out there and my personal favorite. Self provides 3+ features to help you build your credit back to where it should be - THE TOP!
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Credit Builder #2
Coming in 2nd Place is another heavy hitter - Kikoff! This Credit Builder service works just about the same way with just a few more Percs. The most important part is that it's the most affordable credit building service thusfar.
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J'scential Fragrances LLC
1 - On - 1 Credit Building Service
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DESCRIPTON
The purchase of this product allows you to have us personally walk you through the credit repair process. Whenever you have questions relating to what we have discussed on the credit repair section of our website, you can contact us via Email, Zoom, iMessage, and/or FaceTime.
REMEMBER
This is ONLY if you would like the convenience of someone walking you through the entire process. We have done our best to make everything we explain as clear-cut and as simple as possible. However, we do understand that many of our customers may not be too “tech-savvy” and may need some assistance on occasion.
FILE A DISPUTE
Want to learn how to file a dispute? Filing disputes can be annoying when you don't get the outcomes that you expected. Click below to learn what you can do to help with your disputing process.
CONGRATULATIONS
YOUR PATH TO GOOD CREDIT IS SEALED
BONUS
Now that you have been equipped with the tools necessary to build and maintain good credit, you must now learn how to discipline yourself to stay on that path. Remember, if you can’t afford it, then you most likely don’t need it. Most importantly, there is nothing wrong with having numerous credit cards - so long as you only use 1 of them for emergencies. Always pay your credit cards in full 5 days before their statements are due and keep your balances below 10% credit usage. Although 30% is the absolute maximum, a 10% credit usage shows supreme credit usage and responsibility. As a youngster, I never knew how important credit was until I really needed it. Use my personal experiences as a lesson to know the power and impact credit can have in your life and use it as leverage to level yourself up.
If you would like to learn more beneficial tips or lessons to help better yourself, your life, and your business, click the “More Services” button below.