he goal of this guide is to boost your credit score in the next 45 days with just a few simple actions.

What many people do not know is that 85% of your credit score is how you manage your accounts and 15% of your score is how long you had credit.

Let me break it down:

35% = Paying Your Bills On Time
30% = Your Credit Card Utilization
15% = How Long You Had Credit
10% = Types of Credit
10% = Inquiries.

So, if you’re trying to guarantee that your credit score improves in the next 45 days, we need to add positive credit history with big limits!

This guide will not only do that for you, but each item in this guide is guaranteed approval. Yup! You will be automatically approved regardless of your credit past.
In the guide, you have two recommended merchant cards. The merchant cards work like a secured card, but you get a much larger limit and will help your credit score faster.

The way a secured card works is that you provide a deposit to the bank and they give you a card with the same limit as your deposit. So, if you deposit $200, you get a $200 limit.

That’s ok, but won’t help your credit as much as getting a unsecured card with $500 – $1000 limit.

Remember, 30% of your credit score is your credit utilization. Bigger limits = Bigger score increase.

You should get at least one unsecured card before you get the recommended secured card. If you can only do one at a time, it’s ok. The goal is to get one unsecured card as soon as you can to get the most significant benefit credit increase.