D&B

[Creditaddict]

Broke down and bought the credit builder program!

Someone please tell me it was worth it! lol

After seeing the post for a $16k HD I was hooked.

[Red1Blue]

I paid for it and did not help me much. It is a waste of time and money for me.

[bamagirl1]

what is credit builder program?

[Creditaddict]

they verify your account and create the scores as people report.

But you have to actually call the creditors and give them the D&B number and ask them to report.

The next step up is for like $700 and you can physically add 6 accounts of your choice and D&B will contact them to get ALL history of accounts and create a score.

I didn't feel I needed that though because all the accounts I want to report already would if I just gave them the number, and in fact most of them report monthly.  So as soon as I call them all and update the account records to show D&B they will report and then D&B will compile a "verified" score which is what Ford said they needed and I think what HDMC wants.

[Creditaddict]

I have a credit rating of 2R3 ( the 3 equals fair based on age of company?)

Paydex of 80

but currently only my small net 30 and it looks like one credit card are reporting, I added most of my citi cards yesterday and sent in letter to GE to add those accounts.