Rebuild Your Credit Automatically

Rebuild Your Credit Automatically

Many people who are enrolled in our program find it tough to get an installment loan with a poor credit score.  Unfortunately, this impacts the speed at which your credit score will approve.

We have solved that problem.

720CreditScore.com has partnered with a nationwide financing company that has agreed to approve 100% of our clients (regardless of your current credit score) who apply for financing to join our 720 Credit Rebuilder Program.

Here are the details:

  • Price: When you apply for financing to join our 720 Credit Rebuilding Program, you will be approved. You will then make 12 monthly payments of $39, or 24 twice-monthly payments of $19.50.
  • These payments will have the similar impact on your credit score as a monthly car payment. Each payment will be reported to TransUnion and Equifax as an “Installment Line.”
  • Your membership in this program includes:
    • A free review of your credit report with a 720 representative who will identify and dispute any errors on your credit report that are degrading your score, a particularly important step for people who have declared bankruptcy.
      • Correcting errors could cause your score to jump one point, ten points, or even 200 points, depending on the severity of the error.
    • Enrollment into “7 Steps to a 720 Credit Score” for twelve months (instead of the standard six months). Your extended access will begin after your first on-time payment.
    • Priority access to our monthly Question and Answer calls, where you will be invited to ask for personalized guidance for a full year (instead of the standard three months).

If you are interested in enrolling, please fill out our secure online agreement here: www.CreditRebuilderProgram.com

Have questions? Please reach through our Frequently Asked Questions below.

When will my enrollment into 7 Steps to a 720 Credit Score begin?
You will receive access to our program after your first payment is made.

What if I am already enrolled into 7 Steps to a 720 Credit Score?
We created this program for our clients who cannot get approved for an installment line of credit on their own. We understand that many of you are already enrolled into our program, and if you are one of our students already going through the lessons, you will receive a 1-year extension on your current membership as well as priority access to our monthly Question and Answer calls where you will be invited to ask a question for a full year, versus 6-months.

Can I sign up for this program if I am in the middle of my bankruptcy?
You are able to sign up for this program only after your Chapter 7 discharge or Chapter 13 confirmation. If neither one of those have happened yet, please wait until after.

Will my payments report to the credit bureaus?
Yes, all of your payments will report to TransUnion and Equifax as an installment line of credit. We are currently working on adding Experian to the reporting and we hope to have them reporting in the near future.

When will my payments start reporting to the credit bureaus?
We report all payments to the credit bureaus on the 15th of each month for the prior month. For example, if you make a payment on May 1, that payment will be reported on June 15th. Keep in mind that it does take a few days/ weeks for the payments to show up on your credit report after we report them.

What if there are two people in my family who would like to enroll? Will we be making double the payments?
When you fill out our online agreement, you will see a section for “Co-Borrower.” You can have one co-borrower sign up with you on a single application. You will be charged one payment of $39 per month for the two of you, and the payments will report individually to each of your credit reports. Don’t let this confuse you with applying for credit jointly, which we recommend not doing. This is a not joint credit.

How can I make the payments and will they be automatically taken out of my account?
When you fill out our online application, you can choose between three options: 1) credit card, 2) debit card, or 3) bank account (checking or savings). We set up the automatic payments from our end so you do not have to worry about making your payments on time.

When will the payments begin and what date of the month should I expect to see this charge?
The payments will begin on the Wednesday after you sign and send back the agreement. They will continue on that date for each month moving forward.

What if I have to change my billing date?
If you prefer that the payments come out on a certain day each month, no problem! Just email us at Info@720CreditScore.com and we will be happy to accommodate that for you.

How will the payments appear on my credit card/ debit card/ bank statement and my credit report?
Your payments will appear on your payment account and credit report as “BK Billing.”

What if I can’t continue making payments or want to cancel?
Once you sign up, there are no cancelations. If you are unable to make a payment, you will have a delinquency reported to your credit report. This is a 12-month agreement and you will be responsible for making all 12 payments before the agreement ends. If this is going to cause a financial hardship for you, please do not enroll. The point of this program is to help boost your credit score, not hurt it.

What if I miss a payment? How quickly do you report missed payments and is there a way to make up a payment before getting reported as delinquent?
The answer to this question is simple: Stay in communication with us! We do everything we can to help you make up your payments before we will report you delinquent. We will contact you to let you know that your payment declined, and all we ask is that you be in communication with us. If you get an email from us saying you’re behind, please reply to us immediately. If you know that you cannot make a payment on time on any given month, please email us and let us know so that we can plan accordingly and change your billing date for that month. We want this program to help your credit, not hurt it.

What is the interest rate?
The interest rate on this program is 0%! Your payments of $39 per month will be reported to the bureaus for 12-months, and after 12-months, your balance is $0.

Will my credit be pulled for this program?
No, we will not be running your credit report. 100% of our clients will be approved, regardless of their credit score or income.

What if I already have an installment line of credit being reported to my credit report?
If you already have a healthy installment line being reported to your credit report then you may not need this program. Two questions you should to ask yourself are, 1) Do you want or need your credit score to go up quickly, and 2) Can you afford $39 per month for 12-months? Depending on your answers, you will be able to make the right decision. If this is going to cause a financial hardship for you in any way, please do not enroll.

When will I receive the money to use?
With this Credit Rebuilder Program, there is no exchanging of money. Meaning you will not be receiving these funds to use as you wish. This is a monthly $39 fee that you are committing to (like a cell phone bill) and this monthly fee will be reported to the bureaus as an installment line of credit. We created this program to help our clients get an installment line of credit reported to their credit report that they otherwise cannot get approved for on their own.

How can I sign up?
You can sign up by filling out our secure online agreement here: www.CreditRebuilderProgram.com.