Building credit isn’t complicated — it just takes the right tools and consistency. If you don’t have much of a credit history, lenders see you as “high risk,” which means denials, higher interest rates, or needing a co-signer. That’s where credit building products come in.

At Operation Credit Repair, I make it simple to add positive history to your credit reports and start stacking wins for your profile. Think of it like training for a mission — you need the right gear before stepping into the fight.

Two types of credit lines build a strong foundation:

- Installment Accounts – Loans you pay back monthly (car loan, personal loan, mortgage).

- Revolving Accounts – Credit you can use over and over, as long as you pay it back (credit cards).

A solid credit profile requires both. Without them, you’ll never establish long-term credit strength.

🔹 Secured Credit Card (Revolving)

A secured credit card is one of the fastest ways to add positive history. It works just like a normal card, but your deposit sets your limit.

✅ Reports as a revolving line of credit
✅ Boosts your scores when managed properly
✅ No minimum credit score required (recent bankruptcies may affect approval)
✅ No hard inquiry when applying
✅ $200 deposit to open your account

Pro tip: Always pay your balance in full each month. A $0 balance or paid-in-full card boosts your score while avoiding interest. Carrying a balance? That will drag your score down and cost you money.

⚡ Bottom line: This is one of the easiest, fastest ways to start building credit the right way. Once you apply, expect 3–4 weeks for processing and shipping. Keep an eye on your email in case the bank asks for extra verification.