Extra is the first of its kind. It’s a debit card that builds your credit and gives you the benefits of a credit card without the headache.

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No Credit Check is required to apply for an Extra Card. How? Because Extra sets your spending limit based on your bank balance and only lets you spend money you already have. After a purchase, the total is automatically deducted from your bank the next business day.

Every purchase you make with the Extra Debit Card is reported to the Credit Bureaus, which will start strengthening your credit profile immediately.

It works with over 10,000 banks across the United States so you can keep your money where you want, while spending smarter with Extra.

This is NOT just a sleek-looking debit card, it’s an investment in your future, applying for Extra will NOT hurt your Credit Score and it’s only like $7/month… So apply today and get a jumpstart on smart spending.

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FHA loans have a minimum FICO score you need if you want to get a home loan but it’s more attainable than you might think.

640 is the minimum score you need to gety an FHA loan if you don’t have a large down payment.

If you have a large down payment of 10-20% you can get away with as little as 580.

The fastest way to get your score above 640 is to call (800) 251-2249 and talk to one of our friends at CIG. They specialize in mapping out the fastest way to get your credit where it needs to be and your first consultation is free.

Are you stuck renting, but dreaming of owning your own home?

We specialize in helping those who are struggling to get approved for a mortgage become “Home Ready.”

What does “Home Ready mean?”

Home ready is when you meet the 4 minimum requirements to qualify for a home loan.

1. Score Your score meets minimum requirements

2. Income You have a steady or growing income

3. DTI Your debt to income ratio is right

4. Late Payments You have a history of timely payments

We provide training and resources to help you meet all of these requirements quickly so you can get into your home faster.