If you have bad credit or we are in the process of restoring your credit, you can go over the offers of HOW TO BUILD YOUR credit and consult with us which one is better fit for you:


  1. RENT Tarde line – with 24 months HISTORY up to $3000 reported on any person’s credit, reported on all 3 Bureaus:
  2. ShopSimplioCredit Limit up to $12,500 ( Reports to Equifax & Transunion) Get Approval of Up to $12,500 of Unsecured Revolving Credit within 48-72 Hours! New name brand products added daily!To qualify for an account with shopsimplio.com the following minimum criteria must be met:
    Be A US Citizen Be 18 years or older ave a valid social security number Have a monthly household income of $1400.00 Purchase a membership and Complete the application on the checkout page Prior Credit History, Good or Bad In order for your report to be submitted, you must purchase at least 1 product.  

    Build Credit While You Shop
  3. Credit BUilder – Credit card with OpenSky. You choose the number of the Pre-Paid cards (1 or 2), you pay the limit amount desired ($200-$1500) after applying and verifying your information and identity you will get a SECURED card that reports UNSECURED on ALL 3 BR.
  4. CREDIT STRONG – PERSONAL LOAN – Austin Capital bank gives you a PERSONAL LOAN without paying upfront or put money anywhere. only monthly payment according to the limit you ask: $1000-$10000 Loan TRADE LINE reported to all 3 BR. 

    Build credit without a credit card.

    Apply in minutes. We instantly give you a bank loan and place the funds in a FDIC insured savings account in your name. Funds are locked to secure the loan.

    Make small monthly loan payments. As a bank, we report your payments to the three major credit bureaus, building your credit history each month.

    Track your progress. We provide a monthly FICO® Score 8 for free, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.

    Unlock savings. When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.