Boost Credit Score With Instant Credit

How To Boost Credit Score With Instant Credit To Qualify For A Mortgage:

Boost Credit Score With Instant Credit 

Welcome To Gustan Cho Associates Mortgage Group. We are going to show our viewers some tricks of the trade to boost credit scores to qualify for mortgage loans on this page.

  • There are ways to boost credit score with instant credit
  • Borrowers who do not qualify for a mortgage or do not meet a certain mortgage loan program due to being a few points shy of meeting the minimum credit score requirements can easily raise their credit scores by taking our advice
  • Add positive credit not only strengthens your credit profile, but increases your credit scores

The team at GCA Mortgage Group have helped thousands of our viewers and borrowers rebuild and reestablish their credit

Credit Cards To Boost Credit ScoreBoost Credit Score

One of the main reasons why consumer credit scores are low is due to not having any revolving credit tradelines.

  • Secured Credit Cards are the easiest and fastest way of boosting credit scores
  • Consumers with no credit scores or low credit scores can easily boost credit scores with secured credit cards
  • Adding three  to five secured credit cards with at least $500 credit limits can exponentially boost scores
  • Each secured credit card can raise 20 to 30 or more points
  • Adding three to five revolving accounts (credit cards) after bad credit, bankruptcy, foreclosure is the easiest and fastest way in rebuilding and reestablishing your credit
  • After your secured credit cards season for at least six months with timely payments, you will be eligible to get approved for unsecured credit cards
  • After your secured credit cards season for at least six months with timely payments and lower balances, many credit card companies will give you a credit increase
  • Capital One and Discover are really good in rewarding their on-time payment card users with credit limit increases

The team at Gustan Cho Associates have helped many borrowers to achieve a 700 FICO in less than one year after Chapter 7 Bankruptcy discharge by them getting three to five secured credit cards and one installment loan. We will show you how in this credit guide.

How To Maximize Credit Scores To Qualify For Mortgage

Borrowers with under 600 credit scores can easily boost their scores by adding positive credit.

Credit cards are the most powerful tool in rebuilding and increasing credit scores.

  • Three to five credit cards is the number of credit cards every consumer should have to develop a strong credit profile
  • You should also have at least one installment loan
  • Diversity in having various types of credit tradelines will strengthen your credit profile
  • The longer you have your credit tradeline seasoned, the stronger the impact it makes to your credit profile
  • Borrowers with lower scores due to high credit card balances need to pay down the balances to get maximum optimization of their scores
  • Remember that low credit scores mean higher mortgage interest rates
  • For maximum FICO scores, have credit card balances as low as possible but never a zero balance
  • For Example, a $1,000 limit card with a $900 balance will hurt scores
  • However, by paying down the card balance to lower than 10% or $100, scores will increase substantially.

Available credit in a revolving account is what will maximize and boost credit scores.

Boost Score With Instant Credit With

The credit card that we are highly recommending is an unsecured card with a 95% approval rate. Almost all applicants, whether you have poor credit, recent bankruptcy, or low scores will get approved. The  is a powerful credit rebuilding tool to boost your FICO in 30 days of less.

  • This card is ideal for mortgage borrowers who have low scores either because they have no revolving tradelines and/or have cards with high balances
  • Due to their lower scores, they cannot qualify for a mortgage loan
  • Getting this card is another alternative to getting secured cards
  • The unsecured credit card can be quicker than getting secured cards to boost credit score
  • Borrowers can boost credit scores  in 30 days or less with instant credit by visiting

You can contact by visiting their website or contacting them. We will discuss the particular details about this powerful revolving card. will issue a $5,000 unsecured revolving line of credit that report on all three credit bureaus: EXPERIAN, TRANSUNION, EQUIFAX. We will show you how to maximize and how to boost credit score without the waiting period it takes for secured cards. We will explain to you in getting started such as the cost of enrolling in the program, how it needs to be used, and when to apply as well as when it will report to all three major credit bureaus.

How Does This Card Work?How Does This Card Work?

This unsecured card was developed and launched by mortgage professionals to help borrowers who need to boost their scores as soon as possible in order to qualify for a mortgage.

  • Over 95% of applicants get approved
  • Applicants can have bad credit, outstanding collections, prior late payments, outstanding charged-off accounts, repossessions, recent bankruptcy, recent foreclosures
  • Getting the combination of as well as three secured cards will lead you to a fast-track road to rebuild and reestablish overall credit profile and high credit scores

This $5,000 unsecured revolving credit card is like adding fuel to the fire to get to the finish line to the road of great credit in a much faster time frame.

Recommended Tradelines

Most creditors want to see seasoned credit tradelines. Seasoned credit tradelines reflect consumer’s past payment history.  Most lenders will have a minimum amount of 3 credit tradelines that have been seasoned for at least 12 months.

  • While lenders normally require credit tradelines seasoned for the past 12 months, other lenders require three tradelines that have been seasoned for at least 24 months
  • Tradelines are accounts such as revolving card accounts, auto loans, or any other creditor reporting any installment and/or revolving credit and its payment history of the debtor on the bureaus
  • The ideal amount of cards consumers should have is between three to five active revolving credit card accounts
  • To maximize and boost the score and for a strong financial profile, consumers should have a mixture of revolving accounts and installment accounts
  • Having one or two installment accounts such as an auto loan, mortgage loan, and/or student loans will be a plus along with revolving accounts
  • Do not get a car loan until you have closed on your home
  • The average car payment is $400 per month which is equivalent to an $80,000 mortgage
  • Consumers should never ever close out any revolving accounts that are not used even though the revolving account company may charge an annual fee
  • Part of the scoring model of FICO is derived by having aged active tradelines and having available credit is also a major part of having higher scores
  • The $35 annual maintenance fee to keep consumer’s revolving account active is worth every penny
  • Good credit and higher credit scores mean savings, not just when applying for a mortgage
  • Good credit is also important when shopping for insurance because insurance premiums are based on credit scores
  • Interest rates on auto loans when consumers trade in their vehicle or just apply for any type of credit
  • Higher scores mean less risk for a creditor and/or lender which translates into less risk from a lender’s point of view
  • Which means lower rates and lower rates means big savings for the consumer

We highly recommend you read our REBUILDING YOUR CREDIT  (Click Here)

Benefits Of

The unsecured revolving account offers great benefits and almost everyone will get approved:

  • More than 95% of the applicants who apply for the gets an approval
  • The application process is streamlined and extremely simple and easy
  • The approval is not based on the consumer’s scores


  • Even with 30 outstanding derogatory collection items on your credit report, consumers can still get approved for the unsecured card with an unsecured limit of $5,000
  • This holds true as long as they do not have the list of items that are listed on the “REASONS FOR NON APPROVAL” LIST

 $5,000 available for everyone who is approved:

  •  $99 Membership Fee includes joint account
  • No Monthly Fees, EVER!
  • Reports to all three major bureaus on the 5th of every month
  • Sign up between the 1st and the 25th of any month and this tradelines will report on the 1st of the following month
  • 19.9% Interest Rate

Boost Credit Score By Getting Started And Approved For The $5,000 Unsecured CardWhat are Benefits Of


  • Get started with the approval process for the unsecured card with a $5,000 credit limit and get this on your credit report in 30 days or less
  • Applicants will have to place a one-time minimum order of $100 with half down
  • Customers can order more than $100 with their 1st order
  • But their 1st order MUST be for a minimum of $100
  • Every new customer pays 50% down with every order they place on the merchandise they choose to purchase during their first year of having this card
  • After the 1st year of being a card member, there is NO required down payment on any purchase the cardholder places as long as they had timely payment history with no late payments since becoming a member cardholder of the unsecured card

There is a hard pull from Transunion only unless there is not enough information available, and then another credit report will be pulled from one other bureau.


Reasons For Non-Approval

*Substantial Federal and/or State Tax Liens

*Active Bankruptcy. Applicants can only get approved after a Chapter 7 Bankruptcy discharged date or one year into a Chapter 13 Bankruptcy repayment plan with a timely payment history.

*Child Support/Alimony: Applicants who are delinquent on your child support payments and/or alimony payments, they will not get approved for the $5,000 unsecured card. 

  1. Anthony says

    Hello My Name Is Anthony Blaylock I am Looking To Get started with your company

    1. Gustan Cho, NMLS 873293 says

      You can reach out to us at or call or text us at 262-716-8151. Looking forward to working with you.

  2. Barry Clinton says

    ​No one’s perfect and mistakes happen, recently I met with my mortgage lender to discuss financing options because I wanted a bigger house that suits me and my family and discovered errors on my credit report, such as late payments, and my score was around 618 after it dropped from 677. I told myself that whatever the case may be, I’d take the steps to heal my credit. I was researching that night when i found the contact of a top credit hacker/specialist on multiple blogs and on Google too. I took the leap of faith and contacted him that same night. After I made the deposit I was told to check my credit report in 3 working days. I took the risk and that’s the best decision of my life when i saw that my score was in 802 and my report was clean and free off inquiries and other negatives. Cash is king but credit is POWER. I promised to make him known to the world because i know many US families are faced with similar or even worst credit problems. Mike Gracz, Alex Carlucci, Massimo Ressa, Maria Windham, Dale Elenteny, Dora Ali, Joe Garza, Raul Enriquez, Ricky Chaparro, John Strange, Bianca Piverger, and Gustan Cho are the best mortgage professionals who helped me close on my home loan. Piotr Bieda helped with quarterbacking the whole process. Gustan Cho Associates at Loan Cabin Inc. is the best national mortgage banking company in this planet. Thank you Gustan Cho Associates and the Team at Gustan Cho Associates.

  3. Alan Dates says

    I think this is a really good article. You make this information interesting and engaging.

  4. Jeffrey Campbell says

    My credit score was boosted from 520 to 753 and over 3 collections and credit card debts paid off. I like to thank Alex Carlucci and Mike Gracz for helping me get to a very high score. The team at Gustan Cho Associates are the most talented mortgage professionals I met. Massimo Ressa was very supportive, Martyna Szettel was always helpful and informative. Piotr Bieda went above and beyond.
    I was more than amazed at what they did. I even apologized for doubting the team at Gustan Cho Associates. They have been a life saver.

  5. Nicolai Sam says

    Never had the slightest believe my score could move from 425 to 750 within 14 working days and my collections removed. All thanks to Alex Carlucci and Mike Gracz of Gustan Cho Associates. Massimo Ressa of Gustan Cho Associates was a major help too. God Bless Alex Carlucci, Michael Gracz, Massimo Ressa, Piotr Bieda and Martyna Szettel of Gustan Cho Associates for helping me an my family realize the dream of homeownership become a reality.

  6. Tommy says

    My best friends Piotr Bieda and Martyna Szettel told me about some guy I contacted him and he boosted my credit score from 630 to 850 in just 2 weeks. This was over a year ago. I forgot his name until I recently saw him on television and the business news network. Now I remember Alex Carlucci of Gustan Cho Associates. Alex Carlucci has helped me a lot and just wanted to thank him for all of his help along with Massimo Ressa and Mike Gracz. I can recommend Alex Carlucci, Massimo Ressa, and Michael Gracz of Gustan Cho Associates for anyone who wants to boost theirs and qualify for a mortgage. He’s quite easy to talk to, and are the best of the best in the mortgage and credit industry.

  7. Alyssa says

    I’m confused about the credit card.. wouldn’t my score go down with an inquiry?

    1. Gustan Cho, NMLS 873293 says

      A hard inquiry will drop your credit scores 2 to 5 points but having a new credit limit on a new credit card will boost your credit scores 15 to 20 points. Therefore, you will get a net boost of your credit scores.

  8. Lewis Barner says

    Hello guys,
    Do you know that Getting an excellent credit in a short while requires a professional credit expert. When I wanted to buy a truck for my business last 4 months, my credit was in the low 500’s and I couldn’t get approved for any type of loan. After I read some good reviews online about this expert Mike Richardson of Capital Lending Network, Inc and he was a credit guru. I contacted him and in 1 month my credit score was increased to 790 on all bureaus and the negative items I had on my report was expunged permanently . If you also need this service contact Mike Richardson at Capital Lending Network, Inc.

  9. Amanda R Cox says

    Ok I am working with a mortgage company think I made a mistake and should have went with you guys we are suppose too close the 22 and may bank statements had 4 nfs and had 3 late payments the beginning of last year and we are in underwrititering now was sent there last week I am afraid we are going too get denied I was approved/eligible can you help me

    1. Gustan Cho, NMLS 873293 says

      As long as you have an approve/eligible per automated underwriting system, you will be fine. NSF depends on the lender. We do work with overdrafts but will need a good letter of explanation. I think you will be fine.

  10. Karen Barner says

    I just started this new year on a new slate with my credit, Thanks to this credit expert Michelle McCue of Gustan Cho Associates who has permanently
    removed all the negatives like evictions, school loans, etc, and also increased my credit score to 785 on all credit bureaus. I was 100% satisfied with his services. If you need your credit improved to excellent I suggest you contact Michelle McCue at

  11. Betty Dylan says

    An eviction on my credit history was one of the most challenging experiences I ever had. I’m just so glad I’m out of that now. 3 weeks ago I had an eviction on my credit history and I began to search for solutions online until I came across a forum like this on google. I read a comment where the user, who refused to share his identity made mention of a true genius mortgage loan professional Alex Carlucci. I contacted Alex Carlucci of Gustan Cho Associates and I’m glad to say that I no longer have an eviction on my credit. He permanently expunged all the negatives on my credit report. Alex Carlucci and Michelle McCue are two veteran mortgage professionals who know the tricks of the trade. I highly recommend Alex Carlucci and Michelle McCue of Gustan Cho Associates.

  12. James Kim says

    Are you guys licensed in Wisconsin. Need an FHA loan with no lender overlays.

  13. Wimpy Dolan says

    Hey folks I don’t t know about you but I think I have beautiful months and year ahead of me all thanks to this awesome credit specialist and loan officer from Gustan Cho Associates, Piotr Bieda and Alex Carlucci. I’m Wimpy Dolan from New Jersey I had a really messy Credit profile with hard inquires, eviction and foreclosure but with the help of this angel Piotr Bieda and Alex Carlucci of Gustan Cho Associates who gave me a whooping score of about 790 and gave me a fulfilled life here in Jersey City. The team at Gustan Cho Associates is an angel in human form don’t fail to hit him up on Gustan Cho Associates.

  14. Joan Davies says

    My credit score always disqualified me from getting a loan to buy a home for my family until I came across Gustan Cho Associates on the internet and Michelle McCue. Michelle McCue is one of Gustan Cho Associates’ top loan officers. Michelle and her team had helped a lot of my colleagues at work so I decided to give her a try. H e got all the necessary information needed and improved my credit within 1 month. I finally got approved for a loan and I have bought a house for my family all thanks to Michelle McCue of Gustan Cho Associates.

  15. Brandon Thompson says

    Since I started seeking to Improve my credit score and clear my credit card debts in 2016, I have had the misfortune of meeting a lot of incompetent hackers who only created bigger problems for me and also scammers seeking to rip me off. However, my troubles ended when I found Piotr Bieda of Gustan Cho Associates on google recommendations. I had lost hope till my loan officer made mention of an expert named Fred, I contacted him via his email above, and incredibly he cleared all my credit card debts and also boosted my credit score, and helped me maintain it.

  16. Georgina Bramford says

    Just this past month, I was in need to get my credit fixed and straight as I needed to get a home for my family, I”m a mom to 2 boys. I made a thorough research of a credit expert to help improve my credit, then lucky enough I came across a private hacker, he is really good at fixing credit, He increased my credit score up to 790 in all 3 bureaus and erased all the negative items impacting my credit in just 2 weeks … just incase you need your credit fixed as well you can contact through Michelle McCue of Gustan Cho Associates at

  17. Ann Gloria says

    I’m glad to share my experience working with Alex Carlucci of Gustan Cho Associates. I had some negative reports of my credit report which really affected me and my family from qualifying for a mortgage at other lenders.I went online and saw people recommending him for his good work and I contact him via EMAIL. Alex Carlucci and Michelle McCue cleared all issues of my report within 72hrs. Having any issues concerning your credit scores please CONTACT the professionals at Gustan Cho Associates if you need to qualify for a mortgage with a lender with no lender overlays.

  18. […] adding an installment credit account will strengthen your credit profile and scores.  Please go to RESOUCES of this website to see how to build and boost your credit […]

  19. Stella Jones says

    For any of your credit score issues!! I’m recommending you to Martin Torrez, Martin does a great job does his job perfectly without any traces. Give him a try and I bet you will never REGRET!!

  20. Larry Winston says

    I received the discharge for my Chapter 13 about 6 weeks ago. I was told by my mortgage broker that I could re-finance. After completing all necessary paperwork, he told me, right before we were ready to sign papers, that the ‘rules’ of re-financing after a Chapter 13 had changed and I’d have to wait at least two years. I knew that was untrue, as I had spoken to a lady at the VA who sent me the rules applying to situations like mine. After looking on-line for a possible solution, I came across your site. I am looking to refinance my villa. The current loan is just over $162,000. My property has a good bit of deferred maintenance but is in good shape. The comps in my community range from approximately $450,000-500,000. If possible, I’d like to do a cash-out refinance. I’m in South Carolina and am not sure you are licensed here yet. Are you able to help me or can you direct me to someone who might be able to help? Thanks in advance for your time. Ed

  21. Robert Wilson says

    I went through hell trying to get my credit to excellent as I wanted to buy a truck for my new business but my poor credit denied me from getting a loan.
    I kept getting ripped off by credit repair companies and some amateur hackers who only collected funds without doing anything . I finally came across (PRIVATEHACKER247 at GMAIL dot COM) and he increased my credit score to 790 and removed all the negatives I had on my credit report. He has also
    Helped improve my wives credit and few of my friends. Contact him today if you need your credit fixed.

  22. David Pickett says

    Hello, for two years I had $55,000 in debt, including $23,170 in credit card debt. My credit score was nothing to write home about. I managed to get most of my debt removed in bankruptcy and i was left with $5,000 car loan and $21,000 in student loans. Determined not to repeat my mistakes again I met Michelle McCue through a real estate agent. Michelle McCue has helped me clear all my debt and every negative item and also increased my score to an excellent score. I’m recommending Michelle McCue of Gustan Cho Associates for any person in need of credit repairs. Contact Michelle McCue through

  23. Edward Dillinger says

    I would like to get my load refinanced to a new lender. I had a Chapter 7 bankruptcy discharged in March 2020.

  24. Godwin Monteiro says

    You need your credit score fixed already? then you need to contact the best and professional hackers to do the job right .. I once had a very bad score and a lot of negatives until I came across Gustan Cho Associates. Michelle McCue of Gustan Cho Associates has greatly helped me with my credit and boost my credit scores so I can qualify for a mortgage.

  25. Peterson Edward says

    My father was U.S. Air Force. Would that qualify me for a VA loan? I am also currently 2 yrs 6 months into a Chapter 13 bankruptcy.

  26. Sandra Tore says

    I have always been in need of a new home and get my business right but it has actually been hard for me to get a loan due to my bad credit score.. i was so confused on what to do and the next right step to take to make things right and live the American dream , few of my friends have been telling me to get a private hacker to help get my credit fixed but i was afraid then because i don’t want my credit to be ruined the more in the name of getting it fixed but later along the line i had no option than to go with their idea , they introduced these hackers that really kept to their word of fixing my credit and erase all Negatives as well , my credit was 430 then right after it was boosted up to 720 in just 3 weeks… I recommend them , they’re the best .

  27. Mark says

    I had really bad credit with my score in the low 300s. I then read a blog from Gustan Cho Associates on how to improve my credit and rebuild my credit so I can qualify for a mortgage. Currently my credit score is over 800 and the most amazing thing is, this happened within 14 working days no exaggeration. He has been helping me with a lot of other jobs I can’t mention here. If you are looking for help, you just found it. Contact Alex Carlucci of Gustan Cho Associates and they will work magic.

  28. Emily says

    I had really bad credit with my score in the low 300s. Currently, my credit score is over 800 and the most amazing thing is, this happened within 14 working days no exaggeration. He has been helping me with a lot of other jobs I can’t mention here. If you are looking for help, you just found it. Hi we sold our home and paid 38,500 for a mobile home on its own land in Crescent City Florida 32112 We put a 10×20 garage on the property so I would estimate the value at approx. 45,000 We would like to borrow 20,000 to pay off some short term loans and remodel the mobile home we were in our previous home from 2008- 2021 we missed 1 payment part of the problem with my credit score is US Bank did not report me to the credit bureau

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