Resources to restore your credit

---

The first step in either working with BWS or repairing your credit on your own is understanding what you need to fix.   

Most consumers use a partner like Credit Karma for a few reasons: it's free, it's convenient, and it's widely marketed to believe that is your actual score.  

While a site like Credit Karma will give you an idea of your scores, it is not your true FICO score.  For instance, Credit Karma only shows you two of the three bureaus.  Not all credit monitoring sites are created equal.  The credit monitoring companies have to pay the credit bureaus for the information to give to you, so in most cases, the information that you really need is not provided on credit monitoring services.  

We recommend you pull your information from IdentityIQ because they give you complete and accurate information from the bureaus on what they are reporting.

Your money is safe and secure.

You can choose the payment term and dollar amount that best fits your budget.

Your monthly payments are reported to all three credit bureaus.

Once you’ve paid off your Credit Builder Account, your CD unlocks and the money is yours (minus fees and interest).

This is a service that turns your rental history into a POSITIVE credit line on TransUnion and Equifax!

There are 4 simple steps to the rent reporting process.
1. Verification of your identity and rent payments.

2. Verification of your rent payments with your landlord: They work directly with your landlord to verify identity and confirm your on-time rent payments both over the last 24 months, and in the months to come. For a fee of $50 each, they can also verify and report rent payments made to multiple landlords within the past 2 years.

3. Rent reporting to credit bureaus: They report your rent history within 5 days.

4. Trade line creation on your credit report.  As you continue to pay your rent each month, more information is added to this trade line. So it is important to keep your subscription paid and current every month.

A secured credit card will help build your positive credit history, which is imperative to your credit profile.  You can cancel the account at anytime, but we recommend you keeping this account for a minimum of 6 months for reporting.

You should use this just the way that you would use a traditional credit card.  The best way to do this is to open an account and keep the balance under 10% at all times.

Why do we like this card?

You can open with a $200 deposit

It reports to all 3 credit bureaus

It reports after 1 week of being open

Only a $29/annual fee

This is a traditional credit card with a guaranteed $1500 limit!  This company was created to give people a second chance and provide a line of credit and not gouge interest for customers with a low credit score.  It actually has a ZERO percent interest rate and NO LATE FEES!  When you join as a member, the products are from all the major name brands you know and trust!

The best way to use this card is to open an account and keep the balance under 10% at all times.

Why do we like this card?

It's a guaranteed $1500 approval.

There is no credit inquiry, only an identity verification. 

0.00% interest and NO LATE FEES

This is a traditional credit card and intended for people with less than perfect credit. They do not check your credit report, so even if you have bad credit or no credit at all, you are still eligible to receive a $500 credit line with Horizon Gold.  

The best way to use this card is to open an account and keep the balance under 10% at all times. 

Why we like this card?

$500 credit limit

No Credit Check

No Employment or Income Verification

It reports to the major credit bureaus

The Annual Fee that you pre-qualify for will be determined based on our review of your credit profile. You’ll have time to fully review all the terms of your offer before you apply. 

The best way to use this card is to open an account and keep the balance under 10% at all times. 

Why we like this card?

If they are unable to match you to an Indigo Mastercard®, the will work to pre-qualify you for a credit card issued by another bank.

The Annual Fee that you pre-qualify for will be determined based on our review of your credit profile. You’ll have time to fully review all the terms of your offer before you apply. 

The best way to use this card is to open an account and keep the balance under 10% at all times. 

Why we like this card?

If they are unable to match you to an Milestone Mastercard®, the will work to pre-qualify you for a credit card issued by another bank.