A 620 credit score would be the minimum recommended credit score but 680+ Credit Scores is ideal for personal funding: Note: If your Scores are under 620 we can take a look at your credit report to see what can be done to increase your score above this minimum score.
Note: We can add Seasoned Tradelines to dramatically increase your Credit Scores and the overall Quality of your Personal Credit History in only 3 Weeks! It’s common to see Credit Scores jump up 50 to 150 Points in 3 Weeks.
- 3+ Years of Clean Credit History (Ideally 5+ Years): No Derogatory Items or at least none in the recent past. Note: If your Credit History is not at least 3 Years Old, we can add Seasoned Tradelines to your Credit Report so you meet this Requirement, and if you have Recent and/or Unresolved Derogatory Items, we can show you how to remove them.
- 3+ Open Revolving Credit Accounts: Note: If you don’t have at least 3 Open Revolving Accounts, then we can add Seasoned Tradelines to your Credit Report so you meet this Requirement.
- 30% or Lower Revolving Debt Ratio: If your Combined Unsecured Revolving Debt is more than 30% of your Combined Unsecured Revolving Credit Limit, then you will need to pay down the Unsecured Debt to under 30%. Note: We can add Seasoned Tradelines to your Credit Report to dilute the Revolving Debt Ratio down to under 30%.
- 680+ Credit Scores: If your Scores are under 680 we can take a look at your credit report to see what can be done to increase your score above this minimum score. Note: We can add Seasoned Tradelines to dramatically increase your Credit Scores and the overall Quality of your Personal Credit History in only 3 Weeks! It’s common to see Credit Scores jump up 50 to 150 Points in 3 Weeks – This is the Real Deal.
Don’t meet the IDEAL Credit Requirements? Don’t worry – We can solve all of your Credit Problems FAST! Contact Me Today to have our credit specialist review your report and give you a plan for immediate success!
It’s simple, our software provides us access to thousands of lenders that lend to business that require a personal guarantor. These same lenders that lend with a personal guarantor based on your personal credit will in almost all cases, lend to an individual based on the exact same criteria.
12.1% Average APR – Many cards offer 0% APR for the first 2 years
There are NO Upfront Fees but the average client pays a success fee after funding has been secured ranging from 5 to 10% of the total amount of funding raised.
$25K to $250K in Total Personal Unsecured Credit Card and lines of credit can be easy obtained based on your personal credit.
Approvals in 2 Days – Funding in 7 Days
There is no shortage of people who want money for their business. Because so many people want money you will find that business credit and funding is extremely easy to advertise and get massive response. Many clients find they can easily advertise for business credit, then also sell their other services to the customers who call. Due to how easy it is to advertise, business credit has proven to be successful in most media advertisings. Our Partners have had success selling business credit through seminars, webinars, pay-per-click advertising, social media advertising, network marketing events, cold-calling leads, radio, and more. Business credit and funding is very easy to advertise, even helping you promote your other services.
Our Partners have found great success with many different forms of media. Some medias they have found successful including seminars, webinars, pay-per-click, radio, cold calling, network marketing, social media, TV, and more.
You do not need any licensing to sell the funding platform as you are truly selling software. There are no additional state, or Federal requirements or restrictions for selling business credit. This means you do not need any special licensing or bonding to sell business credit.
Building business credit correctly means there is rarely a credit check for business owners to qualify. This means all business owners, even those with bad credit, can benefit with the funding platform by building their business credit. If the business owner has credit challenges and also has some kind of collateral, they can also get funding along with business credit. Funding can be secured in as little as 30-60 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, even consistent revenue.
Because of the many factors that go into determining your full credit score, it is impossible to guarantee a specific credit score increase. Our guarantee promises that our credit lines have perfect payment history, and less than 30% of the available credit being utilized. We also guarantee that our lines will report to a minimum of 2 out of the 3 credit bureaus within the contracted time. While 90% of the time our lines report to all 3 bureaus, there are occasionally factors outside of our control that can keep a line from hitting the 3rd bureau. If for whatever reason your line only hits one bureau, we will replace it at no charge. As most lenders take into account your mid-score, it should not lessen your ability to qualify for credit if your credit line reports to at least 2 bureaus.
It is important to note that authorized user trade lines are a temporary solution. While the average time a trade line will stay on your credit report is between 3 and 6 months, we recommend that you be ready to apply for your immediate credit goals right away. In the very unlikely case that the line falls off of your credit within the first 60 days, we will replace it at no charge, but it is in your best interest to be ready to use your credit right away when the trade line posts.
When you add an authorized user trade line to your credit report, you are adding positive payment history, length of time you have established credit, and showing responsible use of credit by having an account with a low debt ratio. These are the factors that contribute to the 30 to 60 points average increase that we see with qualified authorized users.
In order to have the trade line added to your credit report, you must have been added to the trade line prior to the bank collecting all of the information they will eventually send to the credit bureaus. It’s recommended to order your trade lines a couple weeks in advance (minimum) to insure your trade line will be included in the information the bank collects to send to the bureaus.
Each trade line is an account that reports monthly. This means, the bank collects all the information associated with that trade line (the age, limit, balance, payment history, authorized users, etc.) and sends it to the credit bureaus. This, usually, happens every month. However, some banks report weekly (especially store cards).