Having a good credit score is crucial for financial stability. You qualify for better interest rates, pay lower credit card charges, and become more eligible for a loan. You then have more opportunities to grow your wealth and success, including starting a business and buying a home. Our financial counselors help you take productive steps toward improving your credit score and growing your financial opportunities. Click here to get started. The average credit score for Restoration’s clients is 610, but increasing credit score by more than 35 points is one of the most likely outcomes we can achieve for our clients.

No Credit? No Problem! Four easy steps to establish a credit score.

• Credit Builder Loan: A credit-builder loan holds the amount borrowed in a bank account while you make payments, building credit.
• Secured Credit Card: Secured credit cards require a deposit, and can help build credit by reporting your activity to major credit bureaus.
• Authorized user on an account: is someone who is allowed to use someone else’s credit card.
• Get a co-signer on a loan: is someone who applies for a loan with another person and legally agrees to pay off their debt if the primary borrower isn’t able to make the payments.