Do you want to build new accounts on your credit report? I have a way that can help you. FICO credit score likes types of credit on your credit report. Often times people are building credit with just secured credit cards. You can add an installment loan to your credit report. I found a lender that does this and it works differently from a typical loan. Rather than borrowing money up front, you make fixed monthly payments into a savings account for a specific period of time. The bank reports your payments to the credit bureaus, allowing you to build a new installment loan. At the end of the loan term, you can access the money in the savings account so I feel it is a win, win.
Here is my link to get this credit-builder loan:
Remember how I said FICO credit score is 35% payment history, so this can start helping with that part of the score. 30% are regarding balances so keep the credit card balance low. 10% of the score is types of credit, that is why if you get a secured credit card and a secured loan you are adding to this part of the score for the mix of credit.
Here is a link to a secured credit card that reports FAST to your credit report: Link to sign up for secured credit card
To Your Healthy Credit~