5 Weird (but LEGAL) Things for People With Credit Scores Under 700
If you are one of the 153 million frustrated Americans, suffering from low credit scores… then this will be the most helpful advice you’ve ever read.
Because if you’re like most consumers… the majority of what you’ve been told about improving your credit score - is dead wrong...
And whether you know it or not, ignoring the issue is costing you thousands of dollars a year. Money that should be going into your pocket - NOT to the banks and credit card companies.
If you’re feeling frustrated or angry about your credit - you have every right to be. At Joy Wallet, our credit experts have done the research to help you get the credit score - and the life - you deserve.
So if your credit score is under 700, here are 5 beginner-friendly things that transformed millions of credit scores:
1. Raise Your Credit Score for Free with This
Credit can be confusing, we know. You might not know where to start, and that’s OK - we’ve all been there too at one point.
To get started, one quick and free tool our experts at Joy Wallet recommend is Credit Sesame.
Credit Sesame helps you watch your credit score and make improvements to it.
Megan Hammon, a mother of 6 in Washington, used Credit Sesame to raise her credit score from 400 to just under 700 in a few months.
“I just knew that we were going to be screwed if we didn’t get our credit up,” - Megan Hammon
2. No time to get started? We’ve got you with this Easy Credit Score checker
What you don’t know can hurt you.
Especially when it comes to your credit score.
That’s why even if it sounds like something you could put off for later, it’s important to check your credit score now. If you have a low credit score, it’s unlikely even your fault. Errors happen all the time without you even knowing.
A single credit error could cost you a home, a loan, a cell phone, a credit card, or even a job.
It’s $1 to get your scores monitored, but your future you will thank you for savings thousands of dollars.
3. How A California Mom Accidentally Raised Her Credit Score From 588 to 781... In Only 90 Days
If you have a credit score under 700, it can be tough to live life on your own terms.
But recently, one California Mom accidentally raised her credit score from 588 to 781 in just 90 days by using 1 unusual credit loophole.
"Thanks to the help of Scott's friend, we were able to save our family from a major financial disaster... before it was too late"
Alison describes how not long ago, a family friend showed her a little-known credit "trick". And just by using this simple, 5-minute trick once a day, her scores started going up very fast: Credit Secrets.
Recently featured on the Larry King Show, Credit Secrets has changed the lives of millions of Americans.
Click "Watch Now" below to see how you could improve your credit score in just a few weeks.
4. Crush Your Credit Card Bills with This App
It’s painful managing many credit card bills at the end of the month. We know.
If you want to improve your credit score, you’ll need a simple way to pay off credit card debt.
Don't know which bill to pay off first? Or what your penalties might be?
Imagine how much easier it would be if an app told you exactly what you needed to do and saved you a headache.
Tally does just that.
Upload your credit card debt info to Tally, and Tally will help you reduce your debt to one easy payment at a rate as low as 7.9%. With the average U.S. household paying 20% interest on credit card bills, you could cut your payments by over half!
Some of the benefits of Tally we noticed:
- No more juggling credit cards with different APRs and balances
- Save money on interest payments
- Pay one bill every month
- Get protection against credit card late fees
Think about what you could do with the extra time - and money -you’d save yourself with Tally doing the hard work for you!
5. Pay Off Your Debt Faster With a Personal Loan
If you're uncertain about your next paycheck, you may want to stock up on cash by getting a personal loan.
Personal loans can be used for a variety of reasons. They can be used to pay for rent, home repairs and hospital bills, among other things. A loan can even be used to fund a vacation (when we get past social distancing).
But paying off credit card debt with high interest rates may be the best reason to get a personal loan. Especially with record-low interest rates now.
Instead of paying interest of 18-24% on credit cards, a personal loan could drop your APR to 6% and allow you to pay off your debt much faster.
Here are some of the best options we recommend:
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