The Journey Podcast

BEST WAY To Build Your Credit Score As A Beginner


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Build your credit score as a beginner in 2021 with no credit history with these steps in the video.


tradelines to boost your credit score are just some steps away.

Sites you can get credit lines approved IMMEDIATELY
My Jewler’s Club - https://www.myjewelersclub.com/credit-application/cart-notice/

AG Jewelers - https://www.agjewelrydesign.com/how-it-works/

Credit Score Explained in detail along with how to improve your credit score and get your credit card to 800 credit score. Credit Score tips for beginners and how to use a credit card wisely. Why Free Credit Score or Vantage score is not good and why FICO Score is better than free credit score, Which credit bureau should you check your credit score at? Perfect Credit can be achieved.

Credit Plug

Get instantly approved for a $10K credit line
1 . This overall adds more credit to your file and will give you an overall higher credit limit on your file.

2 . These are super important because you will be INSTANTLY approved and you will get credit lines added to your file.


Be sure to add an authorized user for your credit card:
Make sure you get added to someone's authorized user who qualifies this:

1. They never miss payments
2. Someone who is SUPER TRUSTWORTHY
3. Have 0-1% credit utilization


If you are wondering what is credit score and how is it affected with FICO score or where to check your fico score is it from Experian or Equifax or Transunion Credit Bureaus. Which is the best place to look for the credit score or the FICO score is important or Vantage points.
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Benefits of having great credit:

1. Better interest rates whenever you borrow money from the bank which can lead to you saving     THOUSANDS of dollars.
2. Ability to obtain a car lease/loan
3. Ability to get a house

*NEVER TRUST FREE CREDIT SCORES*

5 Factors That Make up your score
#1 -  Payment History - 35%

#2 - Credit Utilization - 30%

#3- Length of Credit History - 15% (The longer you have been burrowing the better. Picture when you  go to a bar and the bartender knows you and will let you run up a tab because they know you’re good for it, the same concept with credit history)

#4 - Types of Credit - 10% (Loans/Car Leases/Credit Cards/Mortgage. The more diverse, the better)

#5 - New Credit - 10%

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The Journey PodcastBy Andrew Giorgi

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