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I'm Bo Majors
I got my
totally free credit report, flipped out, paid bills, asked for
credit help, got new good
credit and disputed errors on my credit
report.
Up
reward / miles
student cards
E-mail Bo
Credit questions.
My credit help blog
I read your website and used a lot of the information you provided and was able to raise my score from 571 to 671 in 2 1/2 months. Thank GOODNESS for your website. IT WORKS!
real person |
If you have good credit
but not enough, then open a low interest or reward credit card.
Charge then pay off each month for 12 months and your credit score will
jump. Ask for higher credit limits to help your balance to high credit
ratio and your credit score.
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Chase Business Rebate Card
13.49% $0 Excellent / Very Good Credit reqired
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3% Cash Back for purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores
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1% Cash Back on all other purchases
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0% introductory APR for up to 12 months on all purchases and balance transfers
-
No Annual Fee
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JetBlue® Business Card from American Express®
17.24% $40 Very Good Credit needed
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Exclusive benefit for JetBlue Business Cardmembers: 5% savings on JetBlue® flights purchased with your Card
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50 TrueBlue® points, worth 1/2 of a free flight, after your first purchase
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Earn 1 Award Dollar for virtually every dollar you spend=
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Earn double Award Dollars on JetBlue® purchases, gas, wireless phone charges, and more
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Capital One® Business Platinum with Double No Hassle
Miles(SM)
17.99% $39 Excellent Credit
-
2 miles per dollar spent on purchases=
-
Redeem miles for cash back, gift cards, flights and more
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Fly on any airline with no blackout dates or seat restrictions
- Free employee cards with individual spending limits you set
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HSBC Credit Card with HSBC Plus Rewards
8.99-17.99% $0 Excellent Very Good Credit
- Earn 1 point for every dollar in net retal purchases, regardless of where you shop.
- Redeem your points for cash, or airfare, hotel stays, car rentals, merchandise, gift cards and
more.
- Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualified applicants.*
- No annual fee, for qualified applicants.
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Discover®
Motiva(SM) Card
10.99-18.99% $0 Excellent /
Very Good
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5% to 20% Cashback Bonus® at top online retailers
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
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Gold Delta SkyMiles® Credit Card from American Express®
17.24% $85 Excellent /
Very Good
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Earn 15,000 bonus SkyMiles® after your first purchase with the Card
- Earn 2,500 bonus miles for adding an Additional Cardmember with their application
- Always Double Miles® on every eligible dollar you spend at supermarkets, drugstores, gas stations and more
- Earn one SkyMile for virtually every dollar you spend
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PBP Visa® Rewards Card from Chase
14.49% $0 Excellent / Very Good
-
Earn up to 10% in introductory rebates
- Earn up to 5% in rebates
- There's no limit to the number of rebates you can earn!
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No annual
One of the hardest things in the world is getting approved or
getting new credit when I have no rated credit on my credit report.
Good current and rated
credit must be open for at least one year.
Must be within the past 2
years since date of last activity.
Must be reported to credit bureaus.
It will take me at least 1 - 2 years to establish new good credit.
After 1 year the credit will be
rated and will influence my credit score.
After 2 years my credit will
get labeled "solid" by a potential creditor.
If I haven't had active, rated,
reported credit, bad or good, in the past 2 years I will have a 0
credit score.
Not rated or
reported credit lines:
Rent, phone bill,
electric bill, cable tv, water bill, insurance, doctor medical bills, rent
to own furniture and the like. These show on my report only as a
negative.
Here is a list of possible ways to get
started to new good credit.
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Get a cosigner. Cosigners are
good for starting new credit but not for overcoming recent or less
than 2 year old bad credit.
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Have a strong enough provable
job history an no past bad credit history. Apply for any gas card or
credit card.
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Be almost out of college with
good grades, a certain degree, and a good job lined up. Qualifies for "First Time Buyer" is the lingo.
Go buy a car with some money for at least the taxes. Apply for any
card.
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Send a cashiers check for
$300.00 to prove your good intent to open any Major Brand gas card
or MasterCard, Visa, Discover.
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Go to your local banker and
borrow money against your savings account, but make sure they
will report to a bureau before you sign anything. Borrow X dollars
and put the money up. Go into the bank each month and make your
payment with the money you borrowed. Make payments for at least 12
months not a minute less. When you make the final payment go in the
bank again and tell your loan officer you are making your final
payment today and might need some help in the future so THANKS.
These are the best credit help offers I can find that I trust and use.
Get
all 3 totally free credit reports and scores
I use this one. Best offer for
quick comprehensive credit checks.
Unlimited
3
bureau credit reports & 3 scores for 14.95 per month
The best for fixing credit, monitoring for fraud, and ID theft over a
period of time.
Get
new good credit totally free
I must have at least 3 open rated lines of credit. These cards
report to bureaus.
Hire a Lawyer to do all the
work
Knee
deep in debt solutions
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