COMBO 18

(9) Instant Approval Trade Lines.

All (9) Accounts DO NOT Perform ANY CREDIT CHECKS

If Your Profile has NO, LOW or BAD Credit;

This Combo Will Work For You.

In this trade line combo purchase, we're going to show you how to get 9
instant trade lines to boost your credit score. And the best part, none of
these trade lines would do a credit check, so low or bad credit are
welcome. If you're like us, you want a high credit score so you can qualify
for the best interest rates on loans, cars, and other big purchases. That's
where these trade lines come in. All of the links will be down below in the
description of each trade line, so let's get started.

The first one on the list will be Stellar Fi, https://app.stellarfi.com/ . In a

nutshell, they are a company that helps you build credit with every bill that
you paid. They also report these on-time payments to Trans Union,
Experian and Equifax. So it is very important for whatever service that you
are sending up for, whether it is a credit builder or a secure credit card, is
that they report to all 3 of the major credit bureaus. With Stellar FI, there is
no credit check, no interest, nor is there a deposit that is required for you to
become a member. Now, how this company actually works is by taking
your existing bills to build credit.

This can be things like utilities, streaming services, rents, and other bills
that are paid on a reoccurring basis. You would link your bank account that
you would normally use to pay your bills. You would then swap your
current payment information, or if it's Stellar Fi bill paid card number.
Whenever they do they come for each bill, Stellar Fi will see if your bank
account balance is sufficient enough to cover the amount of their link bill. If
it is, Stellar Fi would pay your bill. But at the same time, they would debit
your link bank account for the amount of the bill. Now the biggest question
on your mind is probably like, how much is this all going to cost me? There
are two plans available, the light plan and the prime plan. With the light
plan, you get a $500 bill limit, whereas the prime plan, you get a bill limit up
to $25,000 that is dependent on how many bills that you paid to Stellar Fi.
The light plan costs $4.99 a month, while the prime plan costs $9.99 a
month.

I'm pretty sure that the fee is not going to make everybody happy, but for
$5 to $10 a month, this is like a price for a coffee and it can help you get
on the right path to good credit. I would say Stellar Fi is best for people
who are starting a bill credit or looking to add more diversity to the credit
profile. This is especially helpful for those with blank CPN's who are credit
invisible.
The next trade line that I will be talking about will be called Kikoff
https://kikoff.com/ . This one is a little bit different from the previous ones
mentioned because that were revolving line of credit and an installment
line of credit. To get started with Kikoff, there is no credit check. Once
approved, you would have a $750 line of credit to use on Kikoff purchases.
This doesn't expire so you could continue building your credit on your
schedule.

You would then choose a variety of items from their store, so they had just
$10 and make your purchase with your Kikoff credit account. Since this is a
revolving line of credit, the lower utilization rate the better. Since everything
that has offered by Kikoff does not cost that much and you have a credit
limit of $750, this can be very beneficial to your credit.

You also offer a credit builder loan option for people who do qualify.
Moving on to which credit bureau they do report to. They do say that they
report to all 3 credit bureau, but there is a caveat. If you were just to get
the regular Kikoff credit account, which is a revolving line of credit, it only
reports to Experian and Equifax. But if you were to get a credit builder
loan, which is optional, they do report to Trans Union and Equifax. If you
want them to report to all 3 of the credit bureaus, you would then have to
have both accounts.

Moving on to the next line of credit, which will be the extra debit card
https://extra.app/ . Now first, you may be thinking, how is a debit card
going to help you put credit? Actually, this is the first debit card that I know
of that actually allows you to do so. So the way this works is by connecting
your bank account through Plag and then they will give your spending limit
based on your bank balance. This way, there will be no credit check
whatsoever. So generally, the more purchases that you make with extra,
the higher your spending buyer will mostly be.

You would then swipe your extra card like you normally would any other
card and then extra would spot that purchase for you and automatically
pay themselves back on the next business day.

At the end of the month, they will total up all of your transactions and report
them to the credit bureaus as credit-worthy payments. Extra members
raise their credit score by 48 points on average, but regularly swiping and
practicing the credit habits, such as not defaulting on any other credit line
and not utilizing too much of their total available credit.

So at the time of making this info package, they currently reports Equifax
and Experian. They also did say that you should start seeing this credit
line reported by the 15th of the following month. So if you are not seeing it
by the 15th, you should definitely reach out and they would be able to help.

Now, let's break down the costs. They have monthly plans and annual
plans. For monthly, it's $20 to $25 a month; and for annual, it's $149 to
$199 a year. The key differences between price points is the ability to earn
reward points and get access to the extra reward store. At this price point,
it is a bit higher than other credit builders on the market.

Next up, we have Yotta; https://www.withyotta.com/ . So if you have never

heard of Yotta, they are an online bank, that specializes in high yield
savings account. But what sets their company apart from others is that you
have the chance to win a weekly lottery jackpot. So let me go over how
Yotta works because you need to have a Yotta savings account first;
before you can apply for the credit card.

Yotta is a savings app with lottery elements that offers users the chance to
win a $10 million jackpot; every week. To enter the weekly draw, users
must have saved at-least $25 in a Yotta savings account, they will then
receive one lottery ticket for each $25 save. Each ticket allows them to pick
seven numbers or have them chosen randomly and then when drawn, the
more numbers that match the users ticket, the more prizes they can win.

Even if no numbers match, they're still a smaller prize available, as well as

bigger prizes such as a Tesla Model 3 for those who get all seven numbers
correct. Sign up if free and open to anyone who will be for US bank
account. Now let's talk about reporting. Yotta says that they report to
Equifax, but there's another FAQ that says that they report to all 3. Based
on our clients personal experience, I have only seen the reports of
TransUnion and Equifax only. Now, let's discuss the cost. There's no
annual fee to get this card. All you really need to do is apply once you have
a Yotta savings account.
The next one that we're going to talk about will be the Chime Credit Builder
Secure Visa Card; https://www.chime.com/credit-builder/ . To first become
eligible for this credit builder account, you must have a Chime Checkings
account.

With this type of account, the comes of a debit card is no monthly fees or
maintenance fees. So to apply for the credit builder, you must receive a
single qualifying direct deposit of $200 or more to your Chime Checking
Account. From there, you can choose an amount to move to your credit
builder security account. This will be the amount of money that you can
spend on the card.
You can use the credit builder on everyday purchases to help you build
credit when you make one on time payments. So for the money that you
move to the credit builder, It can automatically pay for the monthly balance
on time with the safer credit building features turned out, meaning that your
balance could be automatically paid on time every month. They will then
report information to the major credit brails. It's been reported that they
help increase your credit score by an average of 30 points.

Since this is a secure credit card, there's no pre-sets spending limit. Only
the money that you move through this account is how much that you can
spend. On that note, this credit builder has now report percent utilization
to the major credit bureaus.

Now move on to our next credit line, which will be Experian Boosts;
https://www.experian.com/consumer-products/score-boost.html . T h i s
feature is offered by Experian, which is one of the major credit bureaus.
The way this trade line works is by Experian taking a look at your bank
account and then they will analyze it, deceive your utilities, streaming
services, or rents, are eligible to be reported as payment history.

Normally many of these services are not reported, the reason being is that
reporting to the credit bureaus costs money and can be expensive. So
that's why most of these companies do not report credit unless there are
some delinquencies and problems such as a late payments.

Now that's odd to us because doing the right thing has no benefit to you;
But whenever you mess up, they really want to mess you up. But luckily
with Experian Boosts, even if you were to have lay payments with a utility
payment, it won't report any bad payments. It will only report your own time
payments.

One thing to recognize about using Experian Boosts is that if you're

applying for lines of credit such as an mortgage or a car, this may make it
look like you have debt rather than a paid utility bill. But usually this
amount is small enough that the underwriter may not even care or if it will
affect your debt to income ratio.

It is fairly easy to get started with this. All you have to do is make an
account into Experian.com. Then from there, you would just link your
checking account and just find your utilities, subscriptions, or online rental
payments that are eligible. Then right away, Experian will calculate your
new credit score.

You can opt out at any time and delete your account if you want, if you
think it's not beneficial or if you are thinking about applying for a large loan.
So the biggest pro with this account is that it is 100% free and it can
increase your Experian credit score.
But the biggest con is that It only reports to one credit bureau. So if an
underwriter is pulling all three credit bills, it may or may not be a deal
breaker.
Next on the list will be Boom; https://www.boompay.app/ . This is a
company that has tools that allow landlords and renters to help build credit.
They have a tool that allows renters to increase their credit score by
reporting on time rent payments to all three of the major credit bureaus.
This allows you to report ongoing rent payments, pass rent payments up to
24 months or both.
Rent is one of the largest monthly expenses that most people currently go
through but see no credit benefit. Since this tool is not loan or resolving
line of credit, it gets reported on your credit report as other. So what this
means is that it does not impact your debt to income ratio or utilization. So
if you were to get your credit pulled by a lender, this should only benefit
rather than harming your application.
Now let's bring down the cost because unfortunately this is not free. To get
started, you have to pay a one-time ten dollar enrollment fee; this is
required to cover the verification costs. If you wanted to just report it
ongoing payments, this will cost you two dollars a month but they will
charge you for the whole year which comes out to be $24. Unfortunately,
there's no way just to try this out for a couple of months. If you want to
report pass payments which I highly recommend, this will cost you an
additional $25. This is not an ongoing charge. So just imagine as a one-
time fee, just to get pass payments reported. The great thing about boom
is that your landlord does not need to be involved. Also, there's no credit
check so your credit will not incur a hard inquiry.

The next credit line will be the tomo credit card; https://tomocredit.com/ .
This is one of the few credit lines on the list that can be used as a
traditional credit card.
Even though this is labeled as a credit card, it acts like a charge card. It
means that you cannot maintain a balance on this card. It is fairly easy to
get approved for it, do the fact that they do not take a look at your credit
history; but they want you to link your bank account so you can see your
transactions. Based on your transactions, this is how they would calculate
your credit limit. You can get a credit limit, $10,000. You can also get a 1%
and cashback on all purchases. There's also some other benefits such as
three months of dashed pass for free, shop run and membership and lift
credits. Tomo also reports all of the credit bureaus.
Now let's talk about the cost. This card used to be free but now they
charge your monthly fee of $2.99. Now this is still less than some credit
cards out there but our aim for people will bet on their credit.

One of the downsides of this credit card is that their customer service can
be kind of lacking. There's also a problem if you get denied because you
won't be able to reapply. I had this card for about two years now and I
really haven't seen any problems.
Moving on to our next trade line which will be Cred-Ai; https://cred.ai/get-
credai-today . So technically Cred-Ai is a credit card and deposit account
duo that's powered by AI and has a bunch of features but at the same time
you can build credit.

So with this company they're actually partnering up with an actual bank

and Cred-Ai is just a software company that facilitates certain transactions
and benefits to help its users. But the crazy part about their deposit
account is that whenever you do get approved it will report to all three of
the credit bureaus saying that you have a credit limit of $1,500.

One thing that you're going to make note of is that this $1,500 that is
reported to the credit bureaus is not your spending limit. You can actually
spend more or less depending on how much money that you have in your
deposit account.

You never pay fees for the card or any interest on balance is owed. This
isn't because it's a 0% APR card, but because the way the card functions
prevents you from spending more than you can pay back. You can choose
to send up for the unicorn credit card and not the deposit account but in
that case this card will just act like a traditional credit card with some extra
benefits but there are much better options out there if you're looking for
cash back or other perks.

A credit score isn't required for this credit card; but you can still be denied
for the credit card. It really didn't specify any specific reasons but I'm
thinking more so on identification, so CPN's please make sure you can
enter monitoring, and you have performed all hard pulls and allowed the
time needed for your CPN to be open.
As a company itself there are some great features. If you were to link your
direct deposit you can get your paycheck two days earlier. You get one
time use virtual cards, pre-approved for transactions so you won't get
denied randomly and a few others. And lastly the best part is that there are
no annual fees per cost to start building credit.

So there you guys have it. Today you have (9) trade-lines that will help
you with your credit, build credit and with your clients.

Which of these trade lines are you one of the try? Are you willing to try of
free options like Experian Boost or get a credit card using some of the
other tradelines?

Let us know send us a email. We love to hear good news and share credit
tips and comments with other users. Be sure to subscribe and check out
some of our other products and services.

“The most powerful commodity is information; use it profitably...”