Credit Building Made Easy
Get easier access to money when you need it. Boosting your credit score can be easy.
Boost your credit score to have more financial freedom
Boost your credit score to have more financial freedom
Boost your credit score to have more financial freedom
Learn More
Top tips to build your credit score
Top tips to build your credit score
Top tips to build your credit score
Learn More
Easy ways to strengthen and protect your credit
Easy ways to strengthen and protect your credit
Easy ways to strengthen and protect your credit
Learn More
Boost your credit score to have more financial freedom
Boost your credit score to have more financial freedom
Boost your credit score to have more financial freedom
A good credit score is important for your financial health, especially once you need to make significant financial decisions such as buying a home.
A good credit score is important for your financial health, especially once you need to make significant financial decisions such as buying a home.
A good credit score is important for your financial health, especially once you need to make significant financial decisions such as buying a home.
Top tips to build your credit score
Top tips to build your credit score
Top tips to build your credit score
Set up automatic expense payments to ensure you never miss a payment deadline. Consistent on-time payments are crucial for a strong credit score.
Set up automatic expense payments to ensure you never miss a payment deadline. Consistent on-time payments are crucial for a strong credit score.
Set up automatic expense payments to ensure you never miss a payment deadline. Consistent on-time payments are crucial for a strong credit score.
💰 Pay More Than the Minimum:
If possible, pay more than the minimum on your credit cards to reduce your balances faster and improve your credit utilization ratio.
💰 Pay More Than the Minimum:
If possible, pay more than the minimum on your credit cards to reduce your balances faster and improve your credit utilization ratio.
💰 Pay More Than the Minimum:
If possible, pay more than the minimum on your credit cards to reduce your balances faster and improve your credit utilization ratio.
🏦 Use Credit Responsibly:
Only charge what you can afford to pay off each month. This helps avoid high balances and interest charges, keeping your credit in check.
🏦 Use Credit Responsibly:
Only charge what you can afford to pay off each month. This helps avoid high balances and interest charges, keeping your credit in check.
🏦 Use Credit Responsibly:
Only charge what you can afford to pay off each month. This helps avoid high balances and interest charges, keeping your credit in check.
🤝 Build Responsible Credit Early:
Start building responsible credit as soon as possible. The longer your credit history, the better your score can be.
🤝 Build Responsible Credit Early:
Start building responsible credit as soon as possible. The longer your credit history, the better your score can be.
🤝 Build Responsible Credit Early:
Start building responsible credit as soon as possible. The longer your credit history, the better your score can be.
⁉️ Soft Inquiries > Hard Inquiries:
Unlike hard inquiries, soft inquiries don’t impact your score. Reviewing your own credit report is a soft inquiry, and it’s a good habit to check it regularly.
⁉️ Soft Inquiries > Hard Inquiries:
Unlike hard inquiries, soft inquiries don’t impact your score. Reviewing your own credit report is a soft inquiry, and it’s a good habit to check it regularly.
⁉️ Soft Inquiries > Hard Inquiries:
Unlike hard inquiries, soft inquiries don’t impact your score. Reviewing your own credit report is a soft inquiry, and it’s a good habit to check it regularly.
💳 Use Secured Credit Cards:
If you're just starting out or rebuilding credit, consider using a secured credit card. These cards require a deposit but can be a helpful tool in establishing a positive credit history.
💳 Use Secured Credit Cards:
If you're just starting out or rebuilding credit, consider using a secured credit card. These cards require a deposit but can be a helpful tool in establishing a positive credit history.
💳 Use Secured Credit Cards:
If you're just starting out or rebuilding credit, consider using a secured credit card. These cards require a deposit but can be a helpful tool in establishing a positive credit history.
How to build your credit
How to build your credit
How to build your credit
🧾 Pay Bills on Time:
🧾 Pay Bills on Time:
🧾 Pay Bills on Time:
📉 Keep Credit Utilization Low:
📉 Keep Credit Utilization Low:
📉 Keep Credit Utilization Low:
🚫 Don’t Close Old Accounts:
🚫 Don’t Close Old Accounts:
🚫 Don’t Close Old Accounts:
⚠️ Limit Hard Inquiries:
⚠️ Limit Hard Inquiries:
⚠️ Limit Hard Inquiries:
🌐 Diversify Your Credit Mix:
🌐 Diversify Your Credit Mix:
🌐 Diversify Your Credit Mix:
🧐 Monitor Your Credit Report:
Building a good credit score is an essential step towards achieving financial freedom and opening favorable financial opportunities. A good credit score can take time to build, but with consistent effort, you can improve it over time.
🧐 Monitor Your Credit Report:
Building a good credit score is an essential step towards achieving financial freedom and opening favorable financial opportunities. A good credit score can take time to build, but with consistent effort, you can improve it over time.
🧐 Monitor Your Credit Report:
Building a good credit score is an essential step towards achieving financial freedom and opening favorable financial opportunities. A good credit score can take time to build, but with consistent effort, you can improve it over time.
Easy ways to strengthen and protect your credit
Easy ways to strengthen and protect your credit
Easy ways to strengthen and protect your credit
You can choose from many credit apps including the ones listed below to help get started. Beanstox does not endorse or have any affiliation with the following companies.
You can choose from many credit apps including the ones listed below to help get started. Beanstox does not endorse or have any affiliation with the following companies.
You can choose from many credit apps including the ones listed below to help get started. Beanstox does not endorse or have any affiliation with the following companies.
"Free credit report: Check your Experian credit report to understand how you may look to lenders."
"Free credit report: Check your Experian credit report to understand how you may look to lenders."
"Free credit report: Check your Experian credit report to understand how you may look to lenders."
"A fast, FREE way to improve your credit score."
"A fast, FREE way to improve your credit score."
"A fast, FREE way to improve your credit score."
"Whether you’re starting from scratch, needing a bump, or looking to protect your credit, our AI engine makes it easy to slay your credit score."
"Whether you’re starting from scratch, needing a bump, or looking to protect your credit, our AI engine makes it easy to slay your credit score."
"Whether you’re starting from scratch, needing a bump, or looking to protect your credit, our AI engine makes it easy to slay your credit score."
Disclaimer: Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.
Beanstox has identified certain non-related third-party service providers as of potential interest for clients, however Beanstox is not recommending any such third-party service providers, and is not responsible for any advice, information or content provided by them. You should assess each service provider. Unless otherwise indicated, third-party service providers may charge fees to you directly. By accessing each third-party service provider’s website, App, or any other online services, you understand and agree that you are subject to the terms and conditions set out by each third-party service provider.
More Easy Explanations
More Easy Explanations
More Easy Explanations
Get Started with Beanstox
Get Started with Beanstox
Get Started with Beanstox
Set yourself up for a better future, with the freedom and security that come from having a growing portfolio. Download Beanstox and set up your automated recurring deposits today!
Set yourself up for a better future, with the freedom and security that come from having a growing portfolio. Download Beanstox and set up your automated recurring deposits today!
Set yourself up for a better future, with the freedom and security that come from having a growing portfolio. Download Beanstox and set up your automated recurring deposits today!
Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 09/30/2024.
*Disclosures
1. Pricing: Free with Beanstox Simple. Learn About Pricing.
2. Power Savings: As of September 30, 2024, traditional US Savings Account Rate: 0.46% (YCharts); T-Bill yield: 5% (YCharts); 5% based on the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF’s expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors. T-Bill yield as of 09/30/2024 is 5%. Source YCharts.
3. Stocks 500: Where applicable, as of September 30, 2024, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 11% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 7% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of Sept. 30, 2024, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
** New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2024 Beanstox Inc.
Copyright © 2024 Beanstox. All Rights Reserved
Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 09/30/2024.
*Disclosures
1. Pricing: Free with Beanstox Simple. Learn About Pricing.
2. Power Savings: As of September 30, 2024, traditional US Savings Account Rate: 0.46% (YCharts); T-Bill yield: 5% (YCharts); 5% based on the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF’s expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors. T-Bill yield as of 09/30/2024 is 5%. Source YCharts.
3. Stocks 500: Where applicable, as of September 30, 2024, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 11% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 7% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of Sept. 30, 2024, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
** New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2024 Beanstox Inc.
Copyright © 2024 Beanstox. All Rights Reserved
Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 09/30/2024.
*Disclosures
1. Pricing: Free with Beanstox Simple. Learn About Pricing.
2. Power Savings: As of September 30, 2024, traditional US Savings Account Rate: 0.46% (YCharts); T-Bill yield: 5% (YCharts); 5% based on the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF’s expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors. T-Bill yield as of 09/30/2024 is 5%. Source YCharts.
3. Stocks 500: Where applicable, as of September 30, 2024, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 11% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 7% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of Sept. 30, 2024, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
** New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2024 Beanstox Inc.
Copyright © 2024 Beanstox. All Rights Reserved