Benefits Of Using Credit Building Programs | Refresh Financial

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Benefits Of Using Credit Building Programs

Increasing your credit score is much easier than you think.

Credit builder programs

If you’re trying to improve your credit, you’ve probably considered various credit building programs. Sometimes consumers talk themselves out of these types of programs because of the costs associated with them. The thing is, hiring a credit repair company to help you boost your credit score might cost a lot less than you realize. In fact, it could very well be saving you money. Take a look and consider some of the benefits of using credit building programs.

There are several great advantages to hiring professionals when it comes to increasing your credit score. Here are six of those benefits:

1. You’ll boost your credit score

When you have someone in your corner who knows the world of credit building inside and out, you’re setting yourself up for success. Taking their advice to heart is the key to seeing success and boosting your credit score faster than you thought possible!

I want to get my free credit report!!

2. You’ll get great advice

Not only will you learn the best way to boost your credit score, but you’re also going to learn and develop financial habits that will help you maintain your growth. You’ll find yourself armed with a wealth of knowledge on all things finance - the toolset you’ll receive will help ensure a great financial future.

3. It’s really easy

Credit building programs are designed to be very simple. For example, with Refresh Financial, you don’t even need to leave the comfort of your own home to build your credit score! You can apply in minutes and get an answer via email or phone. Another great feature of the credit building program is that you don’t even need any security funds up front! Getting set up with a credit building program from Refresh Financial is painless and you’ll be well on your way to building credit like a boss!

4. It will lower your interest rates

As your credit score begins to improve, you’ll have access to lower and lower interest rates. Lenders determine the level of risk you are as a borrower by looking at your credit score. The lower the risk (i.e. the higher your credit score), the less you pay on interest because you are now the type of customer they want to do business. Over time, this can save you so much money – especially when it comes time to purchase a home.

5. You’ll be able to start building your savings

The credit building programs at Refresh Financial are designed to help you save money and build credit at the same time. What this means is that the loan payout acts as the security funds. As soon as you've finished the program, you not only have a brand new credit score but a nice chunk of cash, too.

6. You’ll start hearing the term “approved”

When your credit score skyrockets as a result of the credit building program you’ve chosen, lenders will notice. They'll even start seeking you out!

Your credit score has a huge impact on your life. Poor credit raises the costs of borrowing and can prevent you from lots of different things. Taking the time to build your credit is an investment in your future, your financial security and your overall quality of life. Few investments have such an enormous return.

Show me how I can boost my credit score!


Refresh financial offers custom credit building solutions to help you build your credit score FAST.

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    What Canadians are saying about Refresh

    I would like to thank Refresh Financial for helping me get out of a bad spot. I never thought it was possible and almost gave up on things and then I saw Refresh Financial and and gave it a try. At first I was unsure of things but to see my credit score now makes me a believer in this program.

    – Aaron A

    “It hasn’t even been a year yet, possibly only 6-7 months, and my TransUnion score has gone up over 100 points. That was only the tip of the iceberg as recently I was able to get a consolidation loan from my bank that allowed me to move forward and make things easier for me. Talk about second chances!”

    – Angelica M

    “I am now in a position where I am able to obtain credit (just bought a brand-new car and refinanced my mortgage for a fantastic rate) and it took little to no time at all. I would 100% recommend Refresh to anyone looking to rebuild credit with as little hassle as possible.”

    – Cathy M

    “I had not heard of a company doing such a thing before someone suggested it to me and it made sense. I am not very good at saving money and Refresh Financial helped me. I have dealt with them for years now and never had a problem. The customer service is excellent and fast.”

    – Chris C

    Refresh helped me regain credit following a nasty divorce, which left me with a very poor rating. They were able to remarkably help me go from a 480 to a 600 score, in just over a year. Thank you Refresh!”

    – Deb K

    I have watched my credit score jump since being with Refresh and I have already recommended it to friends and family. Thank you for helping me build my credit faster for my future and my children’s future :)”

    – Heather T

    At first I was skeptical because I wasn’t getting funds upfront and had to make payments when I really needed the money. I’ve been in the program a year now and have noticed my credit has improved drastically!”

    – Irene L

    I have been a client of Refresh Financial for approximately 3 years. Since being a client they have improved my credit immensely. Definitely recommend this company to anybody that needs help re-establishing credit.”

    – Jason I

    “I recommend this program to anyone having credit issues. At the end of the agreement, your money is refunded to you. There were times I found myself short on cash and Refresh, with permission, used a portion of my money to clear up my arrears.”

    – Margaret L

    “I would like to thank Refresh Financial for their professionalism, great customer service and for helping get back to a better financial situation. I have always been treated with the utmost respect.”

    – Martine B

    Refresh Financial is an amazing program to help people get back on their feet. I was rock bottom with nowhere to turn. My credit was beyond poor. I would recommend them to anyone. If I can do it surely anyone else can.”

    – Matthew S

    “Great company to deal with for rebuilding credit, very simple process to get started. Good service if you ever have questions.”

    – Mike L

    This business truly cares about its clients. The customer service is always quick to return calls or emails. Their online portal functions very well so as a customer you are always updated as you progress with your loan.

    – Phil J

    “Refresh Financial has made us more aware of how to take care of our financial situation and be more responsible, and making payments on time is rewarding in the end for credit. Thank You sincerely.”

    – Rocky M.

    “Refresh financial is great!!! They boosted my credit score, helped me save money and helped my husband and I buy our house;) I was not only a number to them, they stayed in touch and helped me out along the way. Answered all my questions and concerns.”

    – Sara B

    “Refresh Financial had been exceptionally good to me! I’ve just been out on medical leave and they have accommodated me with my payments without hesitation!! I was in a really bad spot with my credit and they have helped me to try and correct it!! Bravo!”

    – Shannon B

    This company has been nothing but fantastic. They have gone above and beyond to help me. This program has given me the relief and peace of mind I need. I would certainly go back to them and give them names of people who could use this.”

    – Shirley K

    The financial services products are excellent for new immigrants, low-income earners and small business owners. Loans, savings and credit building all in one solution is a perfect fit to help with financial goals and stability.”

    – Soraya H

    “After successfully going through a credit rebuilding loan, I was able to use my built-up equity to purchase a newer vehicle and I have since been approved through a financial institution for a loan.”

    – Tanya W

    “I made some poor credit choices when I turned 18 and have always had this lingering thought of how am I ever going to better my score. Since being with Refresh I have realized that I took the right step towards bettering my future.”

    – Taylor B

    “Thank you Refresh, and my relationship manager for giving me the tools for a better score with a secured card and two credit builder loans. I feel absolutely confident I’m on a better path to financial success. I am happy to be a long term client.”

    – Trevor P

    I’m so excited I’ve joined refresh! I’ve already seen a huge increase on my credit after the first month! The staff are a delight and make this so easy to understand. I strongly recommend Refresh Financial even if you have good credit this will give you a boost and you’re saving money with the reverse loan!”

    – Wayne B