The first step in building your credit if you just got your new CPN or new SSN you will need to build your public record with the information:
Phone number

Make sure to always use the same information in every application.

Step 1: Apply for a Capital One Credit card: Link here
Step 2: Apply for Lease on
Step 3:
Open a “Self” account and choose a self loan plan. will report on all 3 BR: Click here
Step 4:
Open an EasyToCredit credit monitoring account to check that your file is created and you can see updates, personal information and control your score and credit: To sign up click here.
Step 5: Sign up to our PORTAL and order Authorized user tradelines from this link (2 is better) to boost your score and add history and high total limits. Sign up here.
Step 6:
Once all the tradelines reports and your score us 680-750 you can start to apply to a credit card by Capital one, Chase or Credit one or for a SAFER way, First, apply to a secured card (that reports UNSECURE) or Add another self loan for a bigger amount or longer terms:

  1. Credit BUilder – Credit card with OpenSky. You choose the number of the Pre-Paid cards (1 or 2), you pay the limit amount desire. Aafter applying and verifying your information and identity you will get a SECURED card that reports UNSECURED on ALL 3 BR.
  2. 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.