Get a $1,000 Credit Line • No Credit Check • No Application Denied For Poor Credit
Accepted Platinum is a members-only club for online shopping. Shop from the convenience of your home exclusively at MyUniqueOutlet and enjoy 0% financing.
0% Financing On brand name products exclusively at our online store MyUniqueOutlet.
Enjoy amazing benefits Like 24/7 Roadside Assistance. Legal Assistance. Low payments Of only $19.95/mo. Click here for more details.
All credit types accepted. You will not be denied for bad credit.
Purchase your products now And enjoy our low monthly payments. Click here for more details.
With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways!
As far as credit bureaus are concerned, the more credit accounts you have open, the better. Having as much available credit as possible (even if you don't plan to use it) is key to achieving an excellent credit score. Closing an account will lower your available credit, negatively impacting your credit utilization rating and your score. Additionally, the credit bureaus' algorithms will score points for long-standing accounts, so keep those old accounts up and running.
A respectable credit score is essential if you plan to purchase a home or vehicle or qualify for a personal loan. Additionally, your credit can even affect your ability to get a job, as many top employers now check prospective employees' credit. Over time, good credit will save you hundreds or even thousands of dollars in interest charges. Someone with excellent credit always gets better financing rates because creditors consider their risk of default minimal. On the other hand, those with poor credit scores are seen as a higher risk, leading to higher interest rates throughout the loan duration.
One in four credit reports contains errors but finding and fixing these mistakes can be tricky and time-consuming. Credit repair companies work with you to locate, correct, or remove mistakes that negatively impact your credit report. In some cases, teaming up with a credit repair company can quickly increase your score. These companies also offer other valuable services like credit score monitoring, personal finance tools, and identity theft insurance to help you gain and maintain a good credit score.
After payment history, credit utilization is the next significant factor that affects your credit score. It's tempting to use your high credit limit to make large purchases and pay them off over time, but it's a bad idea. You'll end up paying interest, and your credit score will suffer immediate damage. Instead, keep your utilization under 30% of your overall available credit for an optimal credit score. If you're currently using over 30% of your available credit, paying it below that threshold will rapidly improve your score.