We REPAIR and BUILD at the same time.

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One of the most overlooked strategies when restoring personal credit is to make sure that you're BUILDING new, healthy credit at the same time. If the majority of the items on your credit report are negative and the goal is to get those items deleted, then what are you going to be left with? Not a whole lot. And for those just starting out, you know that having NO credit is often worse than having BAD credit.

So, when appropriate, one of the strategies that we implement is to open new accounts to BUILD and REPAIR at the same time.

And, one of the most effective ways to do that is to report your rent to the credit bureaus.

And here's why.

1. If your rent is $1,500/month, then what you are adding is a LEGAL tradeline that you actually own that's valued at $1,500.
2. This tradeline will NEVER add to or increase your utilization percentage.
3. AS LONG AS YOU PAY WITHIN THE MONTH THE RENT IS OWED, THIS ACCOUNT WILL NOT BE REPORTED AS LATE TO THE CREDIT REPORTING AGENCIES.
4. You can report 24 months of rental history for $139.95. To continue reporting, it's just $9.95/month.