1. Dispute What’s on it: Today more than 92% of credit reports have inaccurate information so you could easily be on this list. Furthermore fraud happens every day around the world and if you have been victimized it can take some time to correct. Please Click HERE: to dispute your transunion and learn more about your rights as a consumer.
2. Rental Kharma: Many people have never heard of rentalkharma.com but they are a company that takes the rent that you pay every month and add it to your credit report as a positive payment! With Rental Kharma you can add up to 24 months of past rent payments to your credit report. You do not need to change the way you pay your rent to use Rental Kharma. It is a simple process that is very landlord friendly.
3. Secured Credit Card: Whether you're looking to build credit from scratch or rebuild credit after a bad setback, a secured credit card can be an invaluable tool. Secured cards require you to provide a cash security deposit, usually equal to your credit line. The issuer holds the deposit in case you don't pay your bill; you get the deposit back when you upgrade to a regular "unsecured" card or close the account in good standing. Because the deposit protects the issuer from losing money, secured cards are easier for people with bad credit or no credit to qualify for.
As you use the card, the issuer reports your activity to the credit bureaus — the companies that compile the credit reports that form the basis of credit scores. Keep your balance relatively low and pay your bill on time every month, and you can begin to strengthen your credit.
TOP 4 SECURED CREDIT CARDS:
4. Credit Builder Loan: A credit-builder loan is designed to help people who have poor credit or who have little or no credit history build credit. A good score makes approval for credit cards and loans, at better rates, more likely.
Credit-builder loans go by many names, such as “Fresh Start Loans” or “Starting Over Loans.” They’re not widely advertised and are generally offered by smaller financial institutions, such as credit unions and community banks.
Credit-builder loans do not require good credit for approval. They do require that you have enough income to make payments. The amount you borrow is held in a bank account while you make payments.