Building credit and affording your dream furniture can be achievable with the right financial strategies. By taking a thoughtful approach to your finances or approaching a reputable lease purchase provider, you can establish a strong credit history and make intelligent purchasing solutions to get the needed furniture.
Learn how Okinus Credit Solutions can help you build credit and afford your dream furniture.
Check Your Credit Report
The first step to building credit is to check your credit report. Your credit report summarizes your credit history, including your payments, credit utilization, and credit inquiries. It’s important to review your credit report regularly to ensure that it’s accurate and up-to-date. Review your credit report for errors or inaccuracies and check them with the credit bureaus.
Pay Your Bills on Time
Payment history makes up a good percentage of your credit score, and late payments can affect your credit score. To build good credit, pay your bills on time every month. Set up automatic payments or reminders to help you stay on track. Go old-school and put up sticky notes around the house with reminders when your bills are due so that you do not forget to pay them off on time.
Keep Your Credit Utilization Low
Another factor that affects your credit score is your credit utilization. Credit utilization is the percentage of your available credit that you’re using. It’s essential to keep your credit utilization low to maintain a good credit score. Consider paying down your balances or increasing your credit limit if you have a high credit utilization.
Lease Purchase Solutions
Lease purchase solutions help you purchase your furniture while also building credit. This type of agreement allows you to make payments over time. You can make payments for a prescribed time and own the furniture at the end of the lease.
Lease purchase solutions can be a good option if you have bad or no credit. The leasing companies, including Okinus, report your payments to the credit bureaus, which can help you build credit.
Why Choose Okinus for Your Lease Purchase Solutions?
If you have a poor credit history or need more credit, Okinus Credit Solutions is ready to help you. We offer fast and flexible options to lease and purchase your essential items while rebuilding your credit. Flexible payment options make it easier to afford high-quality furniture from top brands. By spreading out the cost of the table over time, it is possible to make smaller, more manageable payments. On-time payments improve your credit score, which helps to qualify for better financing options in the future. Additionally, we report to significant credit bureaus like Equifax, Experian, and TransUnion each time you pay, which helps to boost your credit score.
At Okinus Credit Solutions, we have a team of representatives who genuinely care about providing the best quality consumer, contractor, and retailer experience possible. We provide fast and friendly lease purchase solutions that offer instant approvals with no credit needed. Contact us, and we will make getting your dream furniture a reality.