Primary Trade lines are a MUST to build your credit

Below are my favorite legitimate primary trade-line options that will
help to BOOST YOUR CREDIT SCORE and build a solid foundation for your credit
report. 

1. Rental Kharma
• This company will report your rent to Transunion, which will boost
your credit score because adding positive tradelines is super powerful.
• Their website is https://rentalkharma.com/
• They are currently reporting to Transunion only which is very common
for rental reporting agencies.
• They can backdate your rental history for 24 months.
• Check out their FAQ’s —->>here<<
• They will verify all information, including ownership of the property so
ensure you have a good track record with your landlord first.

2. Self Lender
• This one is way different from the others, but still a great choice
especially for account diversification.
• This is a CD (certificate of deposit) that reports to all three credit
burueas, and you get the money back after it matures in one year.
• There is a small origination fee (around $9 – $12) then small monthly

payments after that based on how much you want the CD to report
as.
• Each payment is reported to the 3 credit bureaus (don’t screw this
up!). At the end of the term, you’ve paid off the loan and you can get
the money back + interest – hence saving money while boosting your
credit.
• NEW AND PAID TRADELINE ALERT = BIG CREDIT SCORE INCREASE.
Get started HERE.
• More info on how it works —->>here<<

3. Rent Reporters
• They are currently reporting to Transunion AND Equifax; they will
also report your rent as a tradeline to your credit report.
• They can backdate your rental history up to 24 months.
• Use this code during signup to get $10 off! ll-rixcd
• They will verify all information, including ownership of the property so
ensure you have a good track record with your landlord first.
• More info on how it works—->>here<<

4. My Jewelers Club
1. This is an oldie, but goodie. Join their jewelry club, purchase about
$150 or so worth of jewelry and they will report a $5,000 primary
tradeline on your credit report. Ensure you make the payments
because they are reporting that also.
2. More about how it works—>>here<<

5. Credit Card Builder
1. This is a secured credit card in your name used for the sole purpose of
helping you build your credit score.
2. No minimum credit score required so there is 100% hope for you!
3. The credit limit is low, but you have to start somewhere in order to
establish and build your credit back up.
4. More information about how this works —->>here<<

6. OxPublishing.com
• This is a $2,500 secured line credit reported in your name (no credit
card is mailed to you).
• Typically this reports to Equifax only, this may change over time

though.
• Their is a minimum purchase required in their online store, typically
$180 purchase that you would financially so as 2018, it’s about $30 to
get started, then finance the rest in monthly payments. [Note at time
of this writing, this was the price.] • More information on how this works —->>here<<

7. Hutton Chase
• This is a secured credit line in your name for $1,500 that can be used
only at their website.
• A product purchase of $180 is required however only a $30 activation
fee is due at time of purchase [Note at time of this writing, this was
the price.] • More info on how this works —->>here<<

8. Wells Fargo Secured Credit Card
1. This is another great option for building, and re-building credit.
2. If you have ever defaulted or had a late payment with this bank, do
NOT select this option as they will run your credit and likely deny you.
3. More information on how this works —->>here<<
**Sidebar: A note about Capital One Secured Card and Discover Secured
Cards – Although they are secured cards, they are still extremely difficult to
get approved for if you have negative items on your credit report. Also if you
have ever defaulted with them or had a late payment, you are most likely
going to get denied so better to NOT waste a credit inquiry on them.

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