The Itinerary

The Itinerary

Here are a few places you can visit (some are affiliate links) to reconstruct or build credit for the first time.  To start, this link isn’t an affiliate, but you can get your credit reports free at

Credit Builder Card

A secured card will lead you in the right direction.  It’s important to keep your card below 10%.  To add,  this option requires you to provide a cash security deposit, usually equal to your credit line.  Other fees may apply, execute due diligence and mail in payments a few weeks before due date if you select CBC.  We partnered with Credit Builder Card, and they report via all three credit bureaus, Equifax, Experian and TransUnion.  Just a reminder, we’re a subsidiary of Land Enterprises, LLC

An option I have used in the past is Discover It.   I can pay my bill online, no hidden fees, my deposit was returned in less than a year and my limit was increased after responsible use.  I really love using Discover, and my score increased due to good financial habits as well. 

Credit Builder Card

Self Inc.

An alternative to a secured card is Self Inc. They don’t require an upfront deposit. Additionally, Self reports your payments to the three major credit bureaus. You don’t have access to the funds, however, a late payment will negatively effect your credit.  So, select a monthly plan for your budget. 

Credit Strong

Credit Strong doesn’t have a security deposit.  More importantly, Credit Strong offers your FICO® score, and reports directly to all three bureaus.  Again, select a monthly plan for your budget.


Kikoff red logo

Kikoff is venture-capital backed and funded by many of Silicon Valley’s most savvy investors — including social impact investors. Build credit for free. No credit card, no fees, no catch. Get started in seconds.

Rent Reporters

Rent Reporters  reports to Equifax and TransUnion, two of the credit bureaus, about a tenant’s rental payments. 

Credit Monitoring

A credit monitoring service tracks changes in borrower behavior to notify consumers of potential fraud, as well as changes to their creditworthiness.

Smart Credit

Smart Credit offers an easy, innovative solution to read all three credit reports.  Although, you can get your reports free, some folks want  to utilize credit solution tools. We’ve partnered with them to offer you $1 Million Identity Fraud Insurance, quickly report unauthorized transactions, receive alerts when payments are due, easily plan your budget and spending, manage all of your online banking in one place. This a great credit monitoring option. I personally use it.

Your Financial


myFICO is affilated with the company that invented the FICO credit score. This is another credit monitoring service available. 

General Dispute Resolution Tips

Shelly Land  recently embarked on her own financial restructuring/literacy journey.  Now, she offers an eBook $19.99 General Dispute Resolution Tips… as well as resources. You can purchase here.  Also, she launched a financial literacy book to share with your children it’s $14.99. There is other merch available via her Spring shop.  Follow us on YouTube

Credit Repair Help DIY: Future 700 Club

The Itinerary business image

Additionally, Shelia Lightford  has an AMAZING Facebook group, Credit Repair Help DIY: Future 700 Club, that advocates self help, however, members discuss credit resolutions.  Recently, Shelia launched a an ebook! I recommend it for newbies, or credit challenge specialist! Ms. Lightford provides tools to help you start a credit restoration business!

Sharing is appreciated!