All Forum Posts by: Lance Ching

hi Brendan,

What states do you lend in?

Thank you,

Lance Ching

Hi Tina,

I have a good friend that runs her own property management company in Arizona.  I know she works the Gilbert area.  Her name is Cathy Vaivao of New Life Real Estate.  Her phone number is (602) 828-9260.  She’s been specializing in property management for a while.

Hope this helps,

Lance Ching 

@Michael Corso what states are you currently lending in?

Hi Lauren, building your credit up won’t take you very long, re-establishing Credit is a bit of a longer road.  Sounds like you found some good secured cards, that will be a great start to quickly build while not going thru the frustration of getting denied because of lack of credit history.  Good luck!

I would find some secured credit cards, capital one has one as does fifth third bank which has a lot of locations in Michigan and Florida.  Most likely without credit history many credit card companies will not approve you...  with a secured card you are much more likely to be approved and can start building that positive payment history.  The last thing you want is a ton of inquiries from credit card companies when you really don’t have the credit history to be approved...  This is a start, also if you have any savings you could look into savings secured lines of credit at a lot of banks, but basically they use the savings account as collateral and will give you a line of credit against those funds...  this is another way to build positive payment history.  The bank I work for has pretty conservative criteria when it comes to credit cards but Off the top of my head I think we require at least 4 trade lines with 2 currently open to be approved.  

Hope this helps, I also live in Michigan but in southeastern part of state, love the Grand Rapids area tho.