Credit Builder Card's program is designed to help you build your credit with all three credit bureaus. It would be impossible to say how much your score will go up but some members have seen their credit score improve by more than 50 points. Please note that each individual has a unique credit report and we cannot make any guarantees as to your specific score improvement. To get the maximum increase for your credit score we recommend always making your payments on time for your secured card and never spending more than 30% of your card limit each month.

Yes — some FHA loans allow scores as low as 580. However, a higher score unlocks dramatically better rates and terms. We help you get there faster.

Conventional loans typically require 620+. We recommend targeting 700+ for the best rates. Our goal is to get you there with a clear, personalized timeline.

This timeline is based on each individual experience. 

YES, we partner with lenders that have specific loans for your unique situation.

Credit repair removes errors. Our program builds credit by actively adding positive history that lenders love. Both can work together for maximum impact.

Absolutely. Avaymaria Brown and her team is based in Tampa and specializes in the Florida real estate market — from Jacksonville to Miami, we know your local landscape.