Even Staff


9 Ways To Increase Your Credit Score After College


So you’re not one of the lucky ones whose parents got them a credit­ building credit card when you were 16 for “emergencies,” and now your credit sucks or is virtually nonexistent. Apartments, car leases, and full ­size mattress financing is on the horizon and few things in your past indicate you’re a reliable human capable of making on ­time payments. With that in mind, here are eight ways to raise your credit score after you graduate.


1. Practice preventative care.


Listen, there’s no reason for you to buy a $500 quadcopter right now if you’re credit limit is only $1000, even if you intend to pay it back in full at the end of the month. What matters is the percentage of how much credit you have available versus how much you use each month. Keep it under 30 percent ­­ your score will stay healthy and on the rise.


2. Use one or two cards for all purchases.


If you signed up for eleven credit cards that were mailed to your mom’s for you right out of high school because it seemed like free money, get rid of ‘em. Even if your balances are small and you make regular payments, you could be punished. Pay them off and then close them rather than moving balances around.


3. Get a secured credit card.


It’s possible to get a secured credit card ­­ a card that requires a small cash deposit ($300­ $500 minimum) upfront, which then becomes your limit ­­ with little or no credit to begin with. Make small regular purchases and pay it off in full every time. As you use it, they might reward you and up the limit without making you pay. Just be aware ­­ interest rates are high on these suckers. Here’s a list of secured credit card issuers.


4. Get a gas and/or retail store card.


It’s way easy to get an Old Navy credit card ­­ buy some flip flops and the cashier will be begging you to open one. Just pay it off in full and on time.


5. Refinance your student loans.


Take out personal loans from companies like SoFi and Upstart, and use them to make student loan payments. They offer loans at lower interest rates than traditional lenders. Which brings us to...


6. Pay your student loans.


Not paying your student loans is a garbage idea no matter what the Times says. Your student loans directly influence your credit score and paying them on time will help increase it.


7. Keep good old debt on your record.


Pay off a mattress/car/quadcopter loan on time? Don’t try to get it off your record just because it’s over ­­reliability is key here. And conversely, if you messed something up in the past, don’t worry so much! It’ll likely be gone in seven years anyway!


8. Ask your parents to add you to their credit card account.


They don't have to give you a card, but you’ll get credited when they pay the balance. Just make sure you have trustworthy parents.


9. Pay things on time.

C’mon, guys.


Disclamer: The material provided on this site is not intended to provide legal, investment, or financial advice or to indicate the suitability of any Even Financial product or service to your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional. Any information or statistical data sourced by Even Financial through hyperlinks, from third-party websites, are provided for informational purposes only. Although we promote products and services form our partners, our opinions are our own.

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Goldman Sachs-backed Even Financial, a digital matchmaker between banks and customers, just bought an insurance startup as life insurers are seeing policy applications boom

Even Financial has acquired LeapLife, a leading insurtech platform. The addition of LeapLife allows Even to immediately commence its insurance capabilities, aimed at simplifying and enhancing the way consumers search, compare, and get matched with insurance policies (LeapLife’s existing platform will continue to operate from leaplife.com). Business Insider wrote an article about it, interviewing our CEO and Founder Phill Rosen.

Even Financial Launches Insurance Offerings With Strategic Acquisition of LeapLife, a Leading Insurtech Platform

Pioneering B2B Fintech Expands its Industry-Leading Financial Services Monetization Platform to Help Insurance Carriers Find and Connect with Consumers New York, New York – April 22, 2020 – Even Financial (Even), the leading API for financial services search, acquisition, and monetization, announced today that it will be launching services for the insurance industry through the acquisition of LeapLife, an insurtech platform and digital life insurance agency.  The addition of LeapLife allows Even to immediately commence its insurance capabilities, aimed at simplifying and enhancing the way consumers search, compare, and get matched with insurance policies (LeapLife’s existing platform will continue to operate from leaplife.com). Even and LeapLife now offer the only full end-to-end, multi-carrier digital life insurance marketplace experience. Over the coming weeks, Even will further integrate LeapLife’s technology and insurance offering into its industry-leading API, making turnkey insurance marketplaces programmatically available to a vast network of channel partners — when and where their consumers are most in need — while also enabling the company to expand to other insurance sectors, including homeowners, renters and auto insurance. This adds to Even’s peerless breadth of real-time, personalized financial product offers — an expansive suite that already includes loans, savings, credit cards, and more.  “Even’s goal to evolve how financial institutions find and connect with consumers is not limited to loans or credit cards, but applicable to all financial products and services, including insurance,” said Phill Rosen, Even Founder and CEO. “Despite its importance, purchasing life insurance is often an overwhelming and inconvenient experience. With more than $600 billion in premiums paid each year, and only 6% of policies sold completely online, we see tremendous opportunities to help modernize the life insurance industry and offer solutions that solve challenges for consumers and carriers alike.”  LeapLife is an established insurtech platform and digital life insurance agency that utilizes data science, deep underwriting knowledge, and proprietary technology, enabling consumers to apply for instant-decision life insurance policies with real-time quotes. LeapLife works with many best-in-class insurance carriers to offer consumers a seamless experience from beginning to end. This approach made Even and Leaplife a perfect match. As a digital insurance broker, LeapLife offers personalized life insurance recommendations based on a consumer’s unique needs. Paired with the Even API, which enables customer acquisition for insurance to be native and programmatic, consumers benefit from a more streamlined, transparent, and highly personalized experience when shopping for life insurance.  Just as Even’s 2018 acquisition of Birch (the award-winning credit card rewards app) allowed the company to accelerate its expansion into credit cards, the addition of LeapLife will similarly put Even at the forefront of consumer insurance offerings.  Charles Svirk of MassMutual Ventures, an investor in Even, said “The Even and LeapLife teams share a vision that the future of insurance acquisition will rely on the power of data-driven, programmatic distribution. We are thrilled to support them as their industry experience, impressive technology, and trusted relationships will help scale Even’s insurance offering and build partnerships to provide these critical innovations in insurance acquisition.” The Even API and platform solve significant, long-standing pain points in financial services acquisition by seamlessly connecting supply and demand. Even has continued its rapid growth trajectory in 2020, surpassing over $1.5 billion in credit issued through its API and expanding its platform to over 400 partners. Even has secured over $55 million in funding from major financial institutions, venture capital firms, and fintechs to back its goal to evolve the financial services acquisition ecosystem.   About Even Financial Founded in 2015, Even Financial is a B2B fintech company that is transforming the way financial institutions find and connect with consumers. By seamlessly bridging financial institutions (including American Express, Goldman Sachs, and SoFi) and channel partners (such as TransUnion and The Penny Hoarder) via its industry-leading API, Even turns any consumer touchpoint into an ROI-driven, fully customizable, programmatic acquisition source for financial product offers with full compliance, security, and scale across loans, savings, credit cards, insurance, and more. Even is backed by leading financial services firms and VCs including American Express Ventures, Canaan Partners, Citi Ventures, F-Prime Capital (Fidelity), Greatpoint Ventures, Goldman Sachs, LendingClub, and MassMutual Ventures. Even is the leading search, comparison, and recommendation engine for financial services. Media Contact: media@evenfinancial.com

Even CEO/Founder Phill Rosen quoted in Protocol Braintrust Newsletter

Our CEO and Founder Phillip Rosen was included in the most recent Protocol Braintrust newsletter along with answers from some thought leaders from Plaid, Slack, and DuckDuckGo!