This document provides recommendations for building credit using a CPN (credit profile number) over the course of 2 months. It recommends signing up for various free memberships and services in the first 2 weeks and applying for secured credit cards after 3 weeks. It also recommends applying for auto loans and larger loans after several trade lines and credit cards have been reported for 2 months. The end emphasizes getting rental history reported and warns against applying for government assistance, jobs, or mortgages with a CPN.
This document provides recommendations for building credit using a CPN (credit profile number) over the course of 2 months. It recommends signing up for various free memberships and services in the first 2 weeks and applying for secured credit cards after 3 weeks. It also recommends applying for auto loans and larger loans after several trade lines and credit cards have been reported for 2 months. The end emphasizes getting rental history reported and warns against applying for government assistance, jobs, or mortgages with a CPN.
This document provides recommendations for building credit using a CPN (credit profile number) over the course of 2 months. It recommends signing up for various free memberships and services in the first 2 weeks and applying for secured credit cards after 3 weeks. It also recommends applying for auto loans and larger loans after several trade lines and credit cards have been reported for 2 months. The end emphasizes getting rental history reported and warns against applying for government assistance, jobs, or mortgages with a CPN.
This document provides recommendations for building credit using a CPN (credit profile number) over the course of 2 months. It recommends signing up for various free memberships and services in the first 2 weeks and applying for secured credit cards after 3 weeks. It also recommends applying for auto loans and larger loans after several trade lines and credit cards have been reported for 2 months. The end emphasizes getting rental history reported and warns against applying for government assistance, jobs, or mortgages with a CPN.
The following is a solid way to help your CPN grow and add footprints to it (ALL ARE RECOMMENDATIONS)
The average time for a score to show up without a trade is 45-75 days.
Day 4 of having your CPN (do everything under this bracket)
www.listyourself.net (free) apply for a southwest rapid rewards number (NOT THE CREDIT CARD (free) sign up for Kroger card, publixx, winn dixie etc (free) sign up for me magazine (Cost) or apply fishing lic or hun ng lic with the state (COST) IF you want to add a renter history go to rentreporters.com/Rental Karma.com(COST) QUICK Primary 15 day turnaround and good for apartments. You can do past properties Another Quick Primary:www.drinkstill.com/apply-for-credit (Cost) report to all three bureaus
Day 12 of having your CPN
****If you have a trade posting just wait 5 days then skip to credit monitoring service****
Call Carmax and apply for a car under 20K using the information above (Don’t have to get the car) ***Apply for apartment at this point (make sure they don’t have a min. credit score requirement*** Apply for an Apartment (but make sure they don’t credit score requirement)
Day 18 of having your CPN
myjewelersclub.com Get a gi or prepaid card and register with your CPN File Info & Address: Netspend is good one in some cases you would have already rec one!)
Day 21 of having your CPN (Do 2 of the following even if your getting a trade) Apply for an: Bank of America (Secured), GreenDot Pla num secured credit card (Best one) Visa, Cap One, TD Bank Secured or DiscoverIT (If you didn’t purchased a trade, if you purchased a trade wait until post cause you don’t need a secured card)
Credit Monitoring Services: SIGN UP FOR ONE OF THE 5 CREDIT
MONITORING SERVICES LISTED BELOW Open up credit monitor account (pick one be prepare to pay atleast a 1.00 - 29.99) creditchecktotal.com freecreditreport.com (Recommended) transunion.com (Best) creditnav.com experian.com
****NO CREDIT KARMA UNTIL TRADE POST****
Day 31 of having your CPN
Apply for HSN credit (don't care if your approved or not) Get into Navy Federal Credit Union (Wait7 days then apply for a simple credit card) Get LA Fitness or Ballys account
PAYATTENTION TO THIS NEXT PART (BUILDING WITH
OR WITHOUT TRADE LINES:
***After trade lines post do a hard pull pay 19.99 to 39.99 for full credit hard pull*** Open up a Navy Federal Credit Union Account (24 hour later apply for black credit card with them) - might need to send in your ID and DD214 form (can get you one for $125.00)
Go to Sam Club, sign up for a sam card and then apply for the Master Card (3 day for this primary post)
Bank of America, Navy Federal or US Bank
5 weeks later (apply for one of the following {do not be greedy}): www.uniquecardservices.com (apply even if trade line don’t appear) grouponefreedomcard.com freedomgoldonline.com meritpla num.com (apply even if trade line don’t appear)
24 Hours Later: Apply Cell Phone: AT&T $100/ Sprint $150 / Verizon $400 / T-Mobile $100-$250 (call in) Apple Visa Best Buy Visa Wait 48 hours later (pick 2 out of the 4 to apply for): Bloomingdales Card Sears MasterCard Toy-R-US MasterCard
Wait 1 week later:
Care Credit
***If Trade line doesn’t post***
www.uniquecardservices.com (apply even if trade line don’t appear)
meritpla num.com (apply even if trade line don’t appear) Get a best buy rewards card (not the Visa) go to the doctor with only your CPN ssn card for headache
Op onal: Get a Primary and AU Trade line
Apply Cell Phone: AT&T $100/ Sprint $150 / Verizon $400 / T-Mobile $100-$250 go to the doctor with only your CPN ssn card for headache
***After 3 Tradeline(s) and 2 Primaries post and your score is 720 or
better:***
apply for American Express (Delta)-Make 1 payment
eligible to get luxury car 60k and above (no money down/low interest -put $1000 to $3000 -put vehicle in real driver lic (get an alternate version that has your CPN address on it
***2 months after making two cars payments and 3 credit cards payment***:
-Apply for bank or credit union (Credit unions are be er)
-2 Months later (a er 2 successful payments) apply for an 30k loan for your wedding (Pay back within one year)! Two months a er paying off the loan apply for a 50k loan with the same bank! -For daughter college tui on
Recommendation: 2 years rental history Trade-lines: 1 Primary and 1 AU (average post time 45 days) SSN Card and W2 form previous year
****Vendors****
I can get you any high-end car with a score of 720 and above: Bentley, BMW, MBenz
Other Services: Personal Car Shopping is $100 Credit sweep (with no return) is $4000 SSN Card for your CPN: $200 (overnighted $250)
CPN’s No No Don’t apply for Government Assistance: Food Stamp, Obama Care Don’t apply for a job Don’t try apply for a house mortgage
