WHAT'S THE CARD RATE?
There is a $29 annual fee per card and the interest rate is 19.99%. By enrolling through the TAJ Resources LLC sponsored profile all your processing fees are waived on your deposit to open your Credit Builder Card!
NO SCORE REQUIREMENT?
That's right :) We want our service to be accessible to everyone and that means no credit score requirement. You use your own money to fund your deposit to open your card and as a result there are no strict credit requirements. Please note there will be a credit check as part of the card's underwriting process. You may not be approved for the card if you have an active bankruptcy in the courts. In very rare situations the issuing Bank may request a copy of your Drivers License to verify your identity.
Credit Monitoring Is Very Important!
We also recommend that you use a good Credit Monitoring System to see the progress of your credit scores and reports.
How To Maximize Your Results In 3 Steps
(Step 1) Add A Small Recurring Bill On Your Secured Card
(Step 1) Add A Small Recurring Bill On Your Secured Card
(Step 1) Add A Small Recurring Bill On Your Secured Card
We recommend adding a small bill such as Netflix, Hulu, or Spotify for example. The key is to put a recurring monthly bill on your card that is a fix monthly sum of $20 or less ($200 Credit Limit), because it ensures activity on your card every month. But the main goal is that you don't run the risk of spending too much of your credit limit.
(Step 2) Pay Bill Immediately & In Full
(Step 1) Add A Small Recurring Bill On Your Secured Card
(Step 1) Add A Small Recurring Bill On Your Secured Card
The same day that you get your monthly bill in the mail, be sure to pay it in full online. By paying your bill immediately, you know it will be received by the bank before the due date. This does two things, (A) Builds your positive payment history by paying on time. (B) It will help you avoid paying interest on the credit card.
(Step 3) Repeat For 6-10 Months To See Full Results
(Step 1) Add A Small Recurring Bill On Your Secured Card
(Step 3) Repeat For 6-10 Months To See Full Results
It is a proven fact that if you follow the fundamentals of maintaining a low balance and making all your payments on time, your credit score will soar. It is important to know that mortgage underwriters wants to see multiple positive tradelines on your credit report before they will approve you for a home loan. This also applies to car l
It is a proven fact that if you follow the fundamentals of maintaining a low balance and making all your payments on time, your credit score will soar. It is important to know that mortgage underwriters wants to see multiple positive tradelines on your credit report before they will approve you for a home loan. This also applies to car loans as well, this is why we recommend having a least two (2) open credits cards.
Join Today, To Begin Your Credit Restoration Process!
Our goal is to provide resources that our clients can use to remain in good financial standing with their financial institutions.