Paying on time is the baseline; these strategies are the accelerator. In this module, you will learn how to manipulate your statement dates using the 15/3 Rule, how to legally "piggyback" on someone else's history via the Authorized User Hack, and the precise mathematical strategy to maximize a Secured Card.
Your credit score is a snapshot taken on a specific day. Learn how to pay your bill twice a month to "trick" the bureau into reporting a 0% balance, even if you use the card daily.
Read GuideYou don't always need to build your own history. Discover how being added to a family member's old card can instantly let you "inherit" 10+ years of perfect payment history.
Read GuideStop using secured cards like debit cards. We outline the "Sniper Method": using a small deposit to generate maximum positive data points for the lowest possible cost.
Read GuideKnow someone trying to buy a house or car soon? These strategies could raise their score by 50+ points in 60 days.