Resources for mastering your credit & finances
✅ 3B Credit Reports & Scores
✅ Secured Credit Cards
✅ Secured Loans
✅ ScoreBoosters
✅ Money Manager
✅ Privacy & Fraud Insurance
Mastering the Three Levels of Credit Success
Credit levels come in three stages: starting with building a strong base, moving up to very good credit, and reaching exceptional credit. Beginners should focus on getting the basics right. As they progress, they can work towards achieving higher credit levels.
Beginner Credit Profile
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1 short-term loan (less than 36 months) 📉
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1 long-term loan (e.g., student loan, mortgage, auto loan) 🏠
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2 or more credit cards with utilization under 25%, aiming for 10% 💳
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1 account with a positive payment history of 2 years or more (e.g., Rental Kharma) 📅
Advanced Credit Profile
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10+ positive accounts ✔️
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2-3 inquiries or below 📋
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Utilization under 9% 💳
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100% payment history 📅
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9+ years avg account age 🕰️
Elite Credit Profile
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20+ positive accounts ✔️
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4-6 credit cards 📊
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5-10 installments (loans, mortgage or auto loan) 💳
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Average age accounts around 20 years old with positive history 📅
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Oldest account being 30 year history 🕰️
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No late payment for 7+ years 📅
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1-3 credit inquiries 12 months 📋
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No derogatory accounts: collections, bankruptcies, etc. ❌
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Credit Card Utilization 1% with balances on a few accounts 💳
