Major life goals like buying a home are within reach, even if your credit needs work. At Flite Financial, we specialize in helping clients achieve these goals with unique loan programs, personalized coaching, and credit-building support. If you're starting from scratch or need to boost your credit, we’ll guide you every step of the way with proven strategies.

It can seem like a vicious cycle:

You need access to credit lines to get good credit, but no one will give you a credit line if you don't already have good credit.

Yes, You Can Build or Rebuild Credit!

Believe it or not, everyone who has credit now was once a beginner and right where you are now. You can build credit from scratch, just like they did. Here are tried and true ways you can get a smart start on building credit today, you’ll see progress faster than you think.

Magic Formula for Credit (Most agencies try to keep this a secret)

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A Few Tips and Tricks

1. Secured Credit Cards

A secured card lets you start small with a deposit-backed credit line, and many offer a path to unsecured credit after consistent on-time payments. Each timely payment builds credit history.

2. Reporting Rent Payments

If you’re renting, services like Rental Kharma or RentTrack can report your rent payments to credit bureaus. Paying on time each month shows lenders you’re dependable.

3. Smart Credit Tips from Flite Financial

- Charge Wisely: Never spend more than you can pay off each month.

- Keep Balances Low: Aim to use no more than 10-30% of your credit line.

- Timely Payments Matter: Even one late payment can hurt. Set up reminders to stay on track.

- Track Your Progress: Free annual credit reports are a great way to monitor changes and celebrate wins.

Our team at Flite Financial offers credit coaching to set you up for success. Reach out today to learn more about how we can help you achieve your goals and build a brighter financial future!

This material is presented for informational purposes only and should not be construed as individual tax or financial advice. Flite Financial, nor any of it's affiliates, do not provide legal advice.

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