To maximize your credit score increase, you will need at least three positive, active trade lines. These trade lines can be a current home, auto, student, or other type of loan that reports to all three credit bureaus. It can also be revolving credit. If you haven’t already done so, we recommend that you maintain at least two major secure credit cards. Having credit cards is a huge part of your credit score.


There are several credit cards that are available to you.To view the credit cards, get more information, or to apply, simply click on the "Apply Now" link 

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We recommend that you keep any balances on open revolving credit to between 15-30% to help increase your credit score. Any balance above 30% is generally considered harmful to your credit score. The amounts owed make up for 30% of your overall credit score.

New credit accounts can also re-establish your credit history if you have had problems. Opening new accounts responsibly and paying them off on time will raise your credit score in the long term. In general having 3-5 revolving accounts and 2 installments (and making timely payments) will rebuild your credit score.