Limited Time Offer: The setup fees on all of our accounts have been reduced from $99 to $49. This is the first time in five years that we have offered this type of discount, so now is the perfect time to get started building credit!
You're probably here because you want to build credit by adding positive credit to your credit file. Well, you've come to the right place! Guaranteed720.com offers two affordable, highly-effective programs that provide you with an opportunity to develop a positive payment history with the credit bureaus.
Our installment tradeline program features benefits such as discounted/free legal services, roadside assistance and a healthcare discount membership. Your monthly payments are reported to the credit agencies.
Our revolving tradeline program allows you to acquire a line of credit that can be used on our partner's website to buy jewelry and electronics. Monthly payments on this account are also reported to the credit agencies to build your credit.
Program Highlights
- Quickly add the accounts required to generate high credit scores
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Establish a positive payment history
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Improve your credit rating with the major reporting bureaus
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Position yourself to save money on future financing
- Avoid being "labeled" as having a bad credit history
- Avoid having to pay fees and interest to borrow your own money (secured accounts)
- Receive valuable services such as discount legal services and healthcare discounts
How Our Programs Work
Step 1: Enroll Online
Step 2: Identity Verification
Your identity is confirmed using cutting-edge fraud prevention software.
Step 3: Account Setup
Your account is established with our servicing partner, and the setup fee is debited from your account after your account has been established.
Step 4: Account Servicing/Credit Reporting
Our servicing partners will collect your monthly payments and report your credit history to the credit bureaus on a monthly basis.
Why wait? With our special account pricing now is the perfect time to get started.
Don't Allow Your Current Credit Situation to Negatively Impact Your Future.
Act Now!
How to Build Credit Without the Need for Secured Credit Cards
There are many types of accounts out there for customers, but it is really difficult to qualify for a number of them when you do not have a good credit history. When you have less than perfect credit or no credit history at all, it can be difficult to improve credit without credit cards. Individuals that are looking to improve their credit scores only have a few alternatives available, one of which are accounts that do not generate an inquiry. This type of account can enable you to maximize your credit scores, and some of these accounts do not even need a deposit.
Some organizations offer accounts without checking your credit, which appear and are equally effective as normal accounts when building credit, but the accounts are integrated to your bureau data file without adding inquiries to your credit history. They are ideal for people that have insufficient credit, or for those who simply don't qualify for a personal credit line due to lack of credit scores. Once you have built a favorable payment record, financial institutions are more inclined to consider you creditworthy, which boosts your chances of qualifying for charge cards, car loans and other kinds of credit.
Like other credit accounts, primary credit trade lines do have drawbacks if you do not make your payments on time. Any time your monthly payment is >30 days past due, you will be reported late to the credit bureaus. However, if you are on time with your payments, you can easily reestablish your credit, which will help you get approved for affordable interest rates on future acquisitions made on credit.
For persons who have late payments, property foreclosures, charged-off accounts, a bankruptcy or simply need to start building up credit, primary tradeline accounts are a really good place to start. These accounts can provide help to raise your credit scores, assuming that you pay your bill when they're due. Once you have kept your trade line account in good standing for a stretch of time, you'll have the satisfaction of knowing that you are taking the required steps to enhance your credit file.
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