Clear Cents Credit

90 Day Credit Boost Guide

How to use this guide

(All links are clickable )

We have created this guide to help you increase your credit score in the next 45-90 days with just a few simple easy to follow Steps.

What many people don't know is that your credit score is broken up into 5 major components That we like to call The Genetics Of Credit . 

Let me simplify it for you:

 

35% Of Your Credit Score is Paying Your Bills On Time

30% Of Your Credit Score is Your Credit Card Utilization

15% Of Your Credit Score is How Long You Had Credit

10% Of Your Credit Score is Types of Credit

10% Of Your Credit Score is Inquiries

85% of your credit score genetics is simply how you manage your accounts and 15% of your credit score genetics is how long you had credit.

Now that you know how your credit score is factored, it's simple to see what we need to do. We need to add some positive credit history with large credit limits!

This guide is designed to help you Boost your credit score in 30-45 Day and every card provided has guaranteed approval. Yes guaranteed!!!!! You will be approved regardless of your credit history.

We recommend that you start off with the 2 merchant cards provided .These Merchant cards are similar to secured cards but they will give you a much larger limit and will help you increase your score much faster.

The merchant cards work like this. You will pay a $100 sign up fee and then make a $100 purchase and then you will get a $5,000 limit. So, for $200 you get a revolving credit account of $5,000.

After getting both Merchant cards you should begin putting deposits on to the recommended secured cards. This is how Secured cards work, You supply a deposit to a creditor let's say $500 and they give you a card with the same limit as your deposit. So, if you deposit $500, you get a $500 limit.

Now keep in mind, one of the key components of your credit score is utilization. So, If you want to increase your credit score you need to increase your credit limit vs your utilization . 

Increased limits + Lower Utilization = Higher scores.

Okay now let's review.

 

Step 1: The goal is to get both Merchant cards first Because they will provide you with the most significant credit increase.

 

Step 2: Next start putting deposits on the recommended secured cards.

 

Step 3: Watch your score go up.

Credit building links 

(All links are clickable )

Disclaimer: You will NOT be approved if you have an open bankruptcy

GET ALL 3 OF YOUR CREDIT REPORTS AND SCORES FOR $1

24.99 will be charged if not canceled after 7 days 

#1 RECOMMENDED MERCHANT CARD

You will be given a 5k credit limit with a small purchase of $100. Once the statement comes in, pay it off in full and never use it again! 

#2 RECOMMENDED MERCHANT CARD

You will be given a 1.5k credit limit Guaranteed Approval

#1 RECOMMENDED SECURED CARD

Get two of these cards to build credit fast reports 6x per month

#2 RECOMMENDED SECURED CARD

Get one of these cards to continue building credit $200 minimum deposit         (No credit inquiries )

!!!!Bonus!!!!

(All links are clickable )

Disclaimer: You will NOT be approved if you have an open bankruptcy

UNSECURED VISA® Credit Card

Reports monthly to all three major credit reporting agencies 

Perfect credit not required for approval; they may approve you when others won’t     

UNSECURED Mastercard Credit Card

Reports monthly to all three major credit reporting agencies

Get at least a $500 credit limit

Disclosure: Some of the links are affiliate links and I will earn a commission. I have provided these companies and their products because of their quality and not for  the commission I will receive. If you decide to use them great but the decision to purchase is completely up to you.