Choosing and Creating Good Accounts to Boost Your Credit

Credit can be a fickle thing and complicated to those who are unsure of how credit works. Credit is a billion dollar a year industry and while most of that represents debt that families and individuals are struggling to get out from under, it also represents the possibilities that credit can offer. When handled appropriately and with smart decision making, credit can be a great thing that offers opportunities and advancement to you. Most people thing of credit as how you are able to get a house, a vehicle or other loans for items of value, but credit is also used to judge character about a person when they are applying for a rental, a job or other life advancement.

Take the time to choose and create the right accounts to reflect good credit and then maintain those accounts to boost your credit rating and score for the ultimate level of possibility in the future. So, how do you know which are good accounts to have and which are ones to avoid? There are many different types of accounts that can be obtained and many of them are offered with enticingly low interest rates or high limits. The first step in determining accounts that are worth your time are to read the fine print and see whether the low interest rate will balloon after a couple of months or whether the high limit will create a level of temptation you may not be able to avoid. Also, only work with banks or other companies you know and trust, try to avoid ones that are new, unstable or unknown. Besides being a smart choice for investing your time and money in, larger, more well-known lending companies are better to have on your credit report because they lend more weight when others are considering lending to you.

Good accounts should be smaller ones you can pay off in full before the due date and should be for things you need or reflect a starter account status. Starter accounts are those that are small or through trustworthy companies with slightly lower standards than other companies. They are often jewelry store accounts, store credit accounts, cell phone company agreements and other small accounts. These accounts are perfect for first time borrowers or for those recovering from bankruptcy that essentially have to start over with their credit building. Once you have been given the chance with a small account, it’s up to you to be responsible with it and pay your payments on time and in full each month in order to keep them in good standing and avoid going into debt or financial hardship.

The longer a good account is in good standing on your credit, the higher it can push your credit rating and score. Large lenders, like real estate and car loans, like to see that you have a few good, solid accounts that you have had for years and never been late or defaulted on. This shows that you can not only make smart financial decisions, but that you can also maintain loans and budgeting over an extended period of time, which will help them feel they are making a smart choice by investing in you.

Regardless, of the starter or small accounts you decide to go with, take the time to do some research and learn about how small and starter accounts can help you define your credit status and create good credit over time and through commitment. It’s important to take the time to invest in your own future by learning about the financial world and how loans and credit work. They may seem intimidating and like something you can not understand, but with a little work and possibly a little help you can learn the tools and habits you need for a successful financial future. Aren’t you and your family’s future worth it?

If you would like to fix your credit with our DIY program, I am a Certified Credit Specialist, who works with a company who has helped thousands of people like yourself, Including myself, remove millions of dollars worth of debt/collections successfully! Anything can be removed (Collections, medical debt, student loans, credit cards, evictions late payments, etc). We take advantage of a law/legal loophole called the FCRA. This strategy has proven to work with our letter templates. We also have a private Facebook group/chat with hundreds of others also fixing their credit, and tons of experts you’ll have access to, including me!

I am only accepting 10-15 people this year. To get started email me at or text us at 614-664-3947 for more information.

Client Results from Working with Me
L. Renee’, Certified Credit Specialist

L. Renee'

L. Renee is not your average community activist. She is a powerhouse from Ohio who has been passionately involved in her community for many years, but it's only in the past four years that she's truly made her mark. As an author, L. Renee has self-published four books, and her writing can also be found in the regular column she contributes to in Pretty Women Hustle Magazine. Her exceptional writing skills have earned her the highly recommended status in the International Association of Writers & Editors. L. Renee is a true entrepreneur. As a Certified Hypnotherapist, Neuro-Linguistic Programming Practitioner, and Reflexologist, she is also a highly sought-after Business Consultant, having shown over 1000 businesses how to scale to 7 figures. Her knowledge and expertise in essential services have not only made her a private real estate investor but also the proud owner of a 100-person call center in Central Ohio. What sets L. Renee apart is her drive to help her community build brands and break generational curses. She is passionate about making generational wealth the norm and not the exception, and her philosophy is that nobody said you couldn't look good doing it. L. Renee is an Ohio Buckeye, born and raised. She still resides in Ohio with her husband, James, and their Italian Mastiff, Kane, their children and their 2 beautiful granddaughters. Her personal life has always been as important to her as her professional one, and she is committed to creating a well-rounded and fulfilling life for herself and those around her. L. Renee is an inspiration to those around her. She is proof that with hard work, determination, and a true passion for helping others, anything is possible. IAPWE Recommendation: Urban Business Institute Feature in NY Weekly: Written by me Political Writing: Muck Rack ( I no longer use this profile - the articles were from my work at DemCast as an activist/volunteer/podcaster. Please ignore links in bio. ) Founder/Contributor of Women of Knowledge & Empowerment Zone (W.O.K.E.)

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