Best Options For Rebuilding Credit

Elite Jewelry Club Card

This is the club everyone is talking about! Their members enjoy low cost name brand jewelry that can be financed with their club credit account! Club members enjoy the following top 10 benefits:

  • Easy Approval
  • Establish Credit As You Shop
  • $5,000.00 unsecured revolving line of credit
  • A Low 19.9% APR -Flexible Payments
  • Members Only Discounts
  • Fast Reliable Free Shipping
  • Not a credit card to be used anywhere except the jewelry club.
  • Available in ALL US States EXCEPT:  Wyoming, Alabama, and Mississippi
  • The tradeline is added after you place an initial order of $100.00 or greater
  • Line of credit that reports to Equifax, Transunion and Experian.
  • Approval NOT based on credit scores.
  • Discount coupons for all major holidays.
  • $99 sign up. If you are not approved, the $99 processing fee is fully refundable.
  • One time minimum purchase of $100 with 50% down on all purchases for the 1st (This aids in deterring overspending and keeps spending below the 30% utilization threshold.)
  • Average of 10 to 50 point increase in credit scores the 1st month of reporting.
  • REASONS FOR NON-APPROVAL:  A) Active and open bankruptcy,   B) Child support in the arrears and   C) Tax liens over $25,000
selflender credit rebuilder

Self Lender

Self Lender is a credit builder account is a small loan that’s held in a CD account for 12 months. The account is FDIC insured, earns 0.10% APY interest and is held for you in your name during the term.

The credit builder account offered inside Self Lender works like this:

  • Their banking partner lends you $550, $1,100, or $2,200 that is held in a FDIC insured, certificate of deposit bank account (“CD account”) for 12 months. The CD earns 0.10% APY while the loan has an interest rate of 10.57%. The total APR* is at most 14.77%.
  • Next, you make 12 equal payments over the course of your term to repay the credit builder account. Payment history is reported to the credit bureaus each month. Choose the payment plan that corresponds to your loan, resulting in payments of $48.50, $97, or $194 per month for 12 months. Payment history is reported to the credit bureaus while the CD account earns interest. At the end of the term, you’ve paid off your loan and your CD has matured (and earned interest!). Plus, you’ve demonstrated months of payment history to the credit bureaus.
  • No credit score required
  • Reports to Experian, Equifax, and Transunion
  • Great for those with a “thin” credit file
  • Usually see credit score increases within 1-2 months after joining
  • Average of 10 to 50 point increase in credit scores
benefits of rent reporters

Rent Reporters

Rent Reporters works by following 4 simple steps to the rent reporting process:

  • Verification of your rent payments with your landlord: They work directly with your landlord to verify their identity and confirm your on-time rent payments 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.
  • Verification of your identity and rent payments: They need basic information such as your social security number, date of birth, address, and your landlord’s contact information. Your social security number ensures that your rent history is clearly matched with your credit profile.
  • Rent reporting to credit bureaus: They report your rent history to Transunion, one of the major credit bureaus. They anticipate also reporting to both Experian and Equifax in the near future.
  • Tradeline creation on your credit report: A new tradeline is created on your credit report within 5-7 business days. As you continue to pay your rent each month, more information is added to this tradeline. This is why it is important to keep your subscription paid and current every month.
  • Clients see an average of 30-50 point increase in their credit score in as little as 15 days

Subscribe to our newsletter

Be among the first to know about news and upcoming features