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Use Secure Loans to Build
or Rebuild your Credit Score


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In this episode of Money Creation Explained we are going to cover How to Use Secure Loans to Build or Rebuild your Credit Score.

A credit score is a three digit number that is calculated from information on a credit report and generally ranges between 300 and 850. It is a numerical rating that measures a personís likelihood to repay their debt. Common factors that affect a personís credit score is their payment history, credit usage, length of credit, type of credit accounts, and recent activity. A good credit score is 700 and above, and an excellent credit score is 800 and above.

Credit scores are used by lenders and others to help determine the likelihood that someone will pay what they owe on debts such as loans, credit cards, auto payments, mortgages, rent, and utilities. The industry standard is the FICO Score which was first introduced by FICO (then called Fair, Isaac, and Company) and a newer competitor called VantageScore started to compete with them in 2006.

A popular option to build or rebuild credit is to use a Secure Credit Card. It is used by people with no credit history or poor credit history. Instead of companies advancing credit to the user, these people utilize their own funds to get credit. For example, $1,000 put into a secure credit card will allow the user a $1,000 credit limit. Then, as it is paid back, the user receives credit again to work with. Secure Credit Cards do charge the same high interest rates as regular credit cards.

An alternative solution would be Secure Loans which is a service offered by IOU Notes. It allows users to leverage their own funds to obtain small loans for personal and business use as needed and never pay more than 5% interest per year on those funds. Using our service, a user can have a dependable emergency loan option, help build or rebuild their credit, budget their money better, and stop paying high interest fees from other loans. This service was created because of the need for affordable small loans.

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