Credit Strong
Subscribe Accounts
Credit Strong Subscribe offers the nation’s most affordable credit builder account. Build strong credit with Subscribe for less than the monthly cost of Netflix.¹
Who are Subscribe accounts designed for?
Low Cost
Subscribe accounts are designed for consumers focused on long-term, low-cost credit building. Starting at just $15 a month, Subscribe accounts are the most affordable option to start building your credit.
Customizable
Customize your credit building to suit your goals. Don’t need all 120 months of credit building? Subscribe accounts allow you to partially prepay, payoff, or close your account at any time with no fee or penalty.
Long Run
Length of credit history comprises 15% of your FICO® Score. Subscribe offers a way to keep a long tradeline on your profile and consistently build up a healthy length of credit history.
Constantly replacing a 12-month credit builder loan is more costly and may dip your credit score each year. Every time the 12 month loan matures it will decrease your length of credit history.
Decreasing Cost
With Subscribe accounts, every month your interest cost goes down and your savings progress accelerates.
The tables below illustrate interest expense vs. savings progress for Subscribe 1000 and Subscribe 2500 accounts.
Build strong creditwhile you save.
No Credit Score RequiredNo Upfront Security DepositNo Credit Check – Easy Approval
Credit Strong
MAGNUM® Accounts
Supercharge your credit profile with Credit Strong MAGNUM®, the nation’s largest and longest credit builder account. MAGNUM® accounts offer commercial grade credit building and are designed for people who are looking to prime their personal credit for business credit goals.
Who are MAGNUM® Accounts designed for?
Sometimes bigger is better
Credit Strong MAGNUM® accounts are good for customers who need to demonstrate their ability to reliably repay larger credit obligations. This may include customers who want business credit down the line, or a large personal loan.
Please note that because of their large size, Credit Strong MAGNUM® accounts are not for everyone.
If you are focused solely on building your credit score, a Credit Strong Subscribe or Build & Save account might be better suited to your goals.
Priming Personal Credit for Commercial Credit Goals
Credit Strong MAGNUM® accounts report credit using the accountholder’s personal tax identification number (SSN or ITIN). However, they may help individuals in cases where a lender will include the borrower’s personal credit history as part of a commercial loan credit decision.
Some lenders may look past an applicant’s credit score and make credit decisions based on the tradelines reported in a credit profile. They may also discount small $1,000 or $2,000 credit builder accounts in their underwriting criteria.
Decreasing Cost – Increasing Savings
With MAGNUM® accounts, every month your interest cost goes down and your savings progress accelerates.
Open an account today:
Cj Contractor Services 