Step 4: Final Step – Check your profess.

At this stage you should have followed, Step1 and Step2 and Step 3 for a minimum of 6 months to a 1 year or even 2 years.

Check your credit. Once a year you allowed getting a free credit report at Be sure you check all three credit bureaus. (Transunion, Equifax, and Experian)

If you have followed these steps you will have developed a minimum of 4 different types of debt, reporting as Revolving and Installment debt.

You should also have a good payment history (2 years or more) reporting on your credit report, this is assuming you have paid on time and didn’t max out your balances (never owe more than 35% of the limit ).

Now you should be able to see what’s working and adjust as needed.

Once you have good credit scores you can go back and apply for actual credit cards versus secured credit cards. thus receiving better interest rates.

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