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For people who need: 👉Personal Credit Funding, 👉Business Credit Funding, 👉Credit Builders,
Business Formation, 👉Investments, 👉Paystubs, 👉Credit Scores & Credit Reports, 👉Others

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Video Summary:

Hey, what's up guys? Houston here. If you have a thin credit file, are just starting out building your credit, or have bad credit, I have some tips for you. To build up your credit score, you'll usually need at least two to three positive trade lines. Authorized users can help, but not all financial institutions consider them, especially those that use FICO 8 scores. Some examples of these institutions are American Express and Chase Bank. It's important to keep in mind that going over three authorized users can raise red flags and lead to denial. Now, let's talk about some primary accounts that can help you. The Chime Credit Builder allows you to link your bank account and sets your limit based on your average bank deposits. Credit.ai also looks at your bank account and offers a $1500 credit card. Patel One focuses on factors like education level and job history, with limits ranging from $300 to $5000. Resolve is a debit/credit card that doesn't require a social security number. Apply Now with R5 offers a $1000 unsecured credit card. Extra Debit Card reports to Experian and Equifax. Opportune starts at $300 and offers loans as well. Credit One Platinum Card is designed for people with no or low credit scores, starting at $300. Tomo offers a charge card with a potential $10,000 credit line. Mission Lane starts at $300 and may do a hard inquiry on TransUnion. Grow Credit reports utilities and subscriptions. Remember, you don't need all ten of these cards. Stick to a maximum of four if you have a thin credit file, or five if you're rebuilding your credit. Using 10% or less of your credit limit and having multiple accounts reporting can lead to a significant increase in your credit score. If you need help with credit issues or building business or personal credit funding, schedule a consultation. Click the link in the description for more information.

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DISCLAIMER:
The content of this YouTube channel is provided for informational purposes only and is not intended to constitute legal advice or financial advice. You should not rely upon any information contained on this YouTube channel for financial advice. Viewing this YouTube channel is not intended to and shall not create an client relationship between you and Houston Mcmiller or Business Credit America, Inc, or any of our associated websites. Messages or other forms of communication that you transmit to this YouTube channel will not create an client relationship and thus information contained in such communications may not be protected as privileged. Neither Houston Mcmiller nor Business Credit America, Inc, or any of our associated websites makes any representation, warranty, or guarantee about the accuracy of the information contained in this YouTube channel or in links to other YouTube channels or websites. This YouTube channel is provided ""as is,"" does not represent that any outcome or result from viewing of this channel. Your use viewing of this YouTube channel is at your own risk. You enjoy this YouTube channel and its contents only for personal, non-commercial purposes. Neither Houston Mcmiller, Business Credit America, Inc, or any of our associated websites, nor anyone acting on their behalf, will be liable under any circumstances for damages of any kind.

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*QUICK DISCLAIMER: I AM NOT A TAX EXPERT. I AM A RANDOM GUY ON YOUTUBE MAKING VIDEOS IN A SPARE BEDROOM. DON’T LISTEN TO ME. CONSULT A QUALIFIED PROFESSIONAL FOR ANY TAX ADVICE.*"

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