DO check you credit report often.  CreditKarma.com offers free weekly credit updates and alerts you whenever something has changed on your report.  If you are about the business of credit repair CreditKarma is really a game changer.

DO Opt in for pre-screened offers. This makes it easier for Commenity to tap into your worthiness. Click for video tutorial.

DO understand this is not going to work at every store or the first time you try a particular store. There’s no rhyme or reason to the shopping cart trick at times. When this happens it’s best to clear out your cache, your browsing history, your cookies. Reboot and start again.

If it’s still not clicking for you, you may need to go on a SCT vacay and pick it back up in a week or two. Hey….it happens. During this time make sure you are opted in.

DON’T panic. It will work. I encourage you to keep at rebuilding your credit and remember slow and steady wins the race.

DON’T get out of control!!! I STRESS THIS. Be responsible with your credit moving forward and don’t take on more than you can chew.

DON’T over utilize your credit. This goes along with the previous statement. Just because you found a way for these cards to come in does NOT give you a pass to get wreckless. I understand….this is America and you can do whatever you want, but having a high credit utilization is just has bad as have bad credit. I’ve seen this episode play out too many times. People go from have bad credit and no usable cards to getting very overzealous with newly acquired store cards. Don’t fall into this hole. The shopping card trick is to help you establish or build credit and a favorable report. It should not be used to dig yourself further into debt.

 


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