Boost Your Credit Score With Instant Credit

How To Boost Your Credit Score With Instant Credit

There are ways to boost your credit score with instant credit so if you do not qualify for a mortgage or do not meet a certain mortgage loan program due to being shy a few FICO points, you can now qualify by taking our advice.

Credit Cards To Boost Your Credit

Revolving lines of credits such as credit cards are the most powerful tools to instantly boost your credit scores.  Consumers with no credit often have low credit scores. By adding credit cards with available credit balances will often sky rocket a person’s credit scores. In order for you to maximize your credit scores is to have a low balance to credit limit utilization ratio. For example, if you have a $1,000 credit limit credit card and have a $900 balance on that credit card, it will hurt your credit scores. However, if you pay down your credit card balance to $100 or even lower than that, your credit scores will skyrocket. Available credit is what will maximize your credit scores.

Boost Your Credit Score With Instant Credit With

The credit card that we are highly recommending is an unsecured credit card that almost all applicants, whether you have poor credit or low credit scores will get approved and is a powerful tool to boost your credit in 30 days of less. This credit card is ideal for mortgage borrowers who have low credit scores either because they have no credit tradelines and/or have credit cards that have high balances on them and due to their lower credit scores, they cannot qualify for a mortgage loan. Getting this credit card is another alternative to getting secured credit cards and can be quicker than getting secured credit cards to boost your credit scores. You can boost your credit score with instant credit by visiting  I’ll will be attaching the particular details about this powerful credit card for you to use to maximize your credit score without the waiting period it takes for secured credit cards 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 Credit Card Work?

This unsecured credit card was developed and launched by R & R Financial Group and the main purpose of launching this credit card was for strictly building credit. R & R Financial Group recommends this credit card to all of their clients who needs to boost their credit scores as soon as possible in order to qualify for a mortgage. The combination of deleting the derogatory credit items off one’s credit report as well recommending secured credit cards to re-establish a consumer’s overall credit, this credit card is like adding fuel to the fire to get to the finish line of good credit in a much faster time frame.  

Recommended Lines Of Credit

Most mortgage lenders will have a minimum amount of credit tradelines 3 credit accounts that has been seasoned for at least 12 months. Some mortgage lenders may require three credit tradelines that has been seasoned for at least 24 months. Credit tradelines are credit accounts such as credit card accounts, auto loans, or any other creditor reporting any installment and/or revolving credit and its payment history of the debtor on the credit bureaus.

The ideal amount of credit cards you should have is between five and nine active revolving credit card accounts. To maximize your credit scores and for a strong credit profile, you 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 your revolving credit card accounts.

You should never ever close out any credit card accounts that you do not use even though the credit card company may charge you an annual fee. Part of your credit scores is derived by having aged active credit tradelines and having available credit is also a major part of having higher credit scores. The $35 annual maintenance fee to keep your credit card account active is worth every penny. Good credit and higher credit scores means savings, not just when you apply for a mortgage, but also when shopping for insurance or when you trade in your vehicle or just apply for any type of credit. Higher credit scores means 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 you as a consumer.

Benefits Of

1.  The unsecured credit card offers great benefits and almost everyone will get approved. More than 95% of the applicants who apply for the gets a credit approval. The application process is streamlined and extremely simple and easy. The credit approval is not based on the consumer’s credit scores.

EXAMPLE:  Even with 30 outstanding derogatory collection items on your credit report, you can still get approved for the unsecured credit card with an unsecured credit limit of $5,000 as long as you do not have the list of items that is listed on the “REASONS FOR NON APPROVAL” LIST, 

2.  $5,000 of available credit for everyone who is approved.

3.   $99 Membership Fee includes joint account.

4.   No Monthly Fees, EVER!

5.   Reports to all three major credit bureaus on the 5th of every month.

6.   Sign up between the 1st and the 25th of any month and this credit tradelines will report on the 1st of the following month.

7.    19.9% Interest Rate

Getting Started And Approved For The $5,000 Unsecured Credit Card

GETTING STARTED –  To get started with the approval process for the unsecured credit card with a $5,000 credit limit, you 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 credit card.  After the 1st year of being a credit card member, there is NO required down payment on any purchase the credit card holder places as long as they had timely payment history with no late payments since becoming a member cardholder of the unsecured credit 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 credit bureau.


Reasons For Non-Approval

*Substantial Federal and/or State Tax Liens

*Active Bankruptcy. You 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: If you are delinquent on your child support payments and/or alimony payments, you will not get approved for the $5,000 unsecured credit card. If you have bad credit or low credit scores, contact The Gustan Cho Team at Gustan Cho Associates at .