Good Deeds Program
We have put together the best tools we can provide to help people with not so good credit or no credit at all. These tools will help you repair and build your credit so you can get the approvals you are looking for. Whether you are planning on buying a new home, purchasing a car or getting new lines of credit to finance a personal project or a vacation, these tools will help. Below you can see the details of all the tools we currently have available.
DIY Credit Repair Program
With this new program you can easily enroll and begin the credit repair process without spending hours studying your credit report, researching how to delete accounts and how to write dispute letters to the credit bureaus. The new program manages everything for you!
What to expect when you enroll
- The new program automatically imports and analyzes your 3-bureau credit report, finds negative accounts, and prepares an aggressive dispute strategy all without putting an inquiry on your credit report.
- The new program uses brilliant AI that identifies negative accounts requiring different dispute strategies. For example, disputing a collection account is different than disputing a bankruptcy. Get the right dispute to achieve a permanent deletion.
- The new program tracks all of your disputes on all 3 credit bureaus. Every month you'll receive a progress report showing what accounts were deleted and your new credit scores. You'll always know what's going on with your credit repair and credit score.
Credit Tools for Building Credit
Secured & Unsecured Credit Card Offers
Now you can build your purchasing power and credit profile. If you have no real credit history and need to build your credit or have bad credit history but need to rebuild your credit, these offers will be valuable. The goal is to establish 3-5 new lines of revolving credit (Credit Cards) in 3-6 months.
Unsecured Credit Cards
An unsecured card is simply a credit card that doesn't require a security deposit as collateral. This is the most common type of credit card. Unsecured credit cards may come with lower interest rates and fewer fees than secured cards. And you may be approved for a higher credit limit, which can help improve your credit utilization ratio. As a bonus, many unsecured credit cards also offer rewards you can earn.
Secured Credit Cards
These are great if you are not able to qualify for an unsecured credit card. Secured credit cards require card members to deposit cash in a bank account to hold as collateral. A secured credit card can help you establish or re-establish your credit. Since payments are included in your credit report, paying on time and managing your balance will help improve your credit score. After raising your credit score, you may be able to qualify for a regular credit card.
Rental Reporting to Boost Your Credit Scores
This is the one we have all been waiting for, finally you can get credit for being a renter. Now credit bureaus are allowing people to report their rental payment history, we are seeing credit scores increase 30 to 50+ points with just this one tool alone. This is an amazing opportunity to get a quick increase with your credit score.
What to expect when you enroll
- Increase your score up to 50 points just by paying your rent
- Quick results (within 90 days)
- No credit check
- Add a spouse or roommate
Credit Strong (Credit + Savings Account)
This is one of the most powerful credit tools for building your credit and a savings account at the same time. This tool provides multiple benefits for any person looking to improve their personal credit and financial situation.
What to expect when you enroll
- Instantly receive a bank loan and the funds are placed in a FDIC insured savings account in your name. Funds are locked to secure the loan.
- The bank will report your payments to the three major credit bureaus, building your credit history each month.
- Receive a monthly FICO® Score 8 for free, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.
- When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
Video Coaching Library
Access over 30 credit education videos to learn the ins and outs of your credit profile and score. Our step-by-step Coaching Platform YouTube Channel is an open-source tool. Subscribe Below and click on Playlist to reach "Understanding Credit Scores" to get started with your credit education.
