<aside> 🚨 YOU MUST ADD POSITIVE PAYMENT ACCOUNTS TO MAXIMIZE YOUR CREDIT-REBUILDING PROCESS*

</aside>

Go Through:

https://docs.google.com/document/d/1q7EdY2l9dxRRfGLrEyy7QM36FrOK4VhQRgZFwlfkCIo/edit?usp=sharing

RENTREPORTERS:

• Most beneficial when your goal is to purchase a home or refinance a property
  • Build your credit by reporting your rent!
  • Your on-time rent payments are not automatically factored into your credit score.
  • After adding their rent to their credit file, our customers see an average increase of 40 points in 10 days.

How it works:

• After you sign up, they verify your rent history with your landlord (you can backdate up to 4 years of rent history!), then we report your rent to Equifax and TransUnion, then you let your rent do the work and watch your credit improve!
  • Sign up here: **rentreporters.com**
  • Alternative to Rent Reporters: Rental Kharma.com
  • Alternative: https://www.biltrewards.com/card

CREDITSTRONG:

• Credit-strong account is the fusion of a secured consumer installment loan and a savings account. During the life of your Credit Strong account, you build both your credit history and savings.
  • There is no credit check when you apply for a Credit Strong account.

How it works:

• To maximize your highest credit potential – Choose the MAGNUM plan – It’s 110 per month but it will add a 10k installment loan!
• They report your payment history directly to the three major credit bureaus; Experian, Equifax, and TransUnion.
  • Your Credit Strong account installment loan will be listed under “AUSTIN CAPITAL BANK SSB” on your credit report
  • Sign up here:
    • Build Personal Credit: https://tracking.creditstrong.com/aff_c?offer_id=2&aff_id=7058
    • Build Business Credit: http://tracking.creditstrong.com/aff_c?offer_id=6&aff_id=7058

SELF:

• Self is a financial technology company with a mission to help people build credit, particularly those who are new to credit or who might not have access to traditional financial products.
  • Right now, they do this by offering their Credit Builder Account, which is an installment loan that enables people to build a positive payment history (if you make your monthly payment on time) while they save money for a rainy day.
  • This is a CD (certificate of deposit) which will report to ALL 3 Bureaus and you will have your deposited money after it matures in 1 year. Great for starters and account diversification.

How it works:

Here’s a quick 1-minute video to show you how it works: https://vimeo.com/215524316

• Apply for a loan that’s held by their bank partners. Your money is secured and protected in a bank account.1
• Pay off the loan in 12-24 months.* You can choose a repayment plan that fits your budget.
  • Each payment builds your credit history and adds to your savings.
  • Your payments are reported to all three credit bureaus.
  • Sign up here: **selflender.com**

KIKOFF:

• One of the most responsible and affordable ways to build credit -- all without credit checks or high-interest rates.