f you’re serious about building your personal credit fast, here’s a proven strategy that stacks up primary trade lines like cheat codes:
🔥 Top 5 Primary Accounts That Report To The Bureaus:
- Credit Strong – Reports to all 3 (Equifax, Experian, TransUnion)
- Kovo – Reports to all 3
- Meet Ava – Reports to all 3
- Loqbox – Reports to all 3
- Kikoff – Reports to Equifax & Experian
💡 Each one reports a $2,500 credit line for just $20/month. That means if you grab all 5, you’re paying $100/month to have $10,000 in trade lines reporting every month. That kind of positive activity = a supercharged credit score boost 😎💥.
🚨 Bonus Play: The CarMax Trick 🚨Here’s where it gets wild:
✅ CarMax lets you return a vehicle within 30 days or 1,500 miles.
✅ Keep it 28–30 days, then return it.
✅ It now reports as a paid-off car loan on your credit report.
Translation? You just added major installment credit history to your profile without being locked into a loan. 🏎️💨
⚡️Stack these moves together and you’ll transform your credit report into a powerhouse. This is how you game the system the smart way.