FROST FINANCIAL ADVISING & MANAGEMENT, LLC

experian boost

BOOM PAY RENT REPORT

lowest score recommended: 675


card details:

  • All 3 Bureau Reports and Scores
  • Increased credit limit options after 5 months
  • 1.5% Cash Back on every purchase​
  • Low $39 Annual Fee
  • No Foreign Transaction Fees
  • ​UNSECURED



open sky secured visa

rent reporters

rent reporters

lowest score recommended: 650


card details:

  • All 3 Bureau Reports and Scores
  • Increased credit limit options after 5 months
  • Small Security Deposit
  • No Annual Fee
  • No Foreign Transaction Fees
  • Secured



bUILDING CREDIT

FFAM WANTS TO PROVIDE YOU THE BEST RESOURCES AVAILABLE TO BETTER YOUR FINANCIAL FUTURE. PLEASE READ MORE ABOUT EACH OPTION OR SPEAK WITH ONE OF OUR REPRESENTATIVES TO DECIDE WHICH CREDIT BUILDER IS BEST FOR YOU.

Capital one secured

Lowest Score Recommended: 620


card details:

  • Secured
  • No Annual Fee
  • Min. $200 deposit for secured line
  • 1%-2% Cash Back
  • Upgrade options after 8 months to Unsecured   *Restrictions Apply



Lowest score recommended: 0


rental history details:

  • Add 24 months of past rent payments
  • Average time to see results 2-4 weeks
  • Reports to ALL THREE BUREAUS 
  • No Credit Check
  • Multiple Leases=Multiple Accounts Added
  • $35 TOTAL for all 24 months history!



lowest score recommended: 450


Card details:

  • No credit check necessary to apply
  • The refundable* deposit you provide becomes your credit line limit on your Visa card
  • Build credit quickly with all 3 Bureaus and monthly reporting
  • Very low fees



first progress SECURED 


*Please Note:  There may be other factors besides credit score that determine credit card approval from the list below. FFAM is not responsible for credit card application denials. 

Lowest Score Recommended: 0


card details:

  • No score required
  • Monthly Reporting to All 3 Bureaus
  • Secured
  • Min. $200 deposit for Secured line
  • Expedited Processing
  • $29 Annual Fee



Capital One Pre-Check

lowest score recommended: 500-750


card details:

  • Most Report to All 3 Bureau Reports and Scores
  • No hard inquiry to check which cards are best
  • Can request a card for "rebuilding" of credit
  • After pre-qualification, choose best for you 
  • Secured and Unsecured options
  • Annual fees vary based on card selection



Lowest Score Recommended: 0


card details:

  • No score required
  • Build score through a Savings Account
  • CD's are FDIC insured
  • Low $ Activation Fee
  • Reports to All 3 Bureaus
  • No hard credit pulls



Capital one Unsecured

Lowest score recommended: 0


utility history details:

  • Will not add past negative history
  • Choose which items to add or remove
  • Some results may show on mortgage pulls
  • No Credit Check
  • Free 
  • Only Reports to Experian



self lender 


Lowest score recommended: 0


rental history details:

  • Add up to 24 months of past rent payments
  • Average time to see results 2-3 weeks
  • Reports to TransUnion AND Equifax
  • No Credit Check
  • $94.95 Registration + optional add-ons



discover it secured



Lowest score recommended: 0


rental history details:

  • Bundle up to 24 months of past payments
  • Adds rent, cell phone and utility payments
  • Reports to Equifax, Experian and TransUnion
  • No Credit Check
  • $6.95/mo or $49.95/one time