WJA Credit Resources

Financial tools for building credit, monitoring credit, and more.


We are affiliated with a few partners that we recommend. All affiliate proceeds go to WJA Resources, Inc – our non-profit organization.

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About WJA Resources

Changing your life through credit can often require tools. Financial tools such as credit cards can, if used properly, enable you to build positive credit history. WJA Resources is a non-profit organization that connects people with the tools they need to take action. Below you’ll find a few resources that we’ve partnered with to help you succeed


The Credit Confidential

In-depth tri-merge credit reports that report up to 7 years of history. This is needed for an in-depth credit analysis and credit monitoring. Visit partner

Smart Credit

Standard tri-merge credit reports needed for credit analysis and credit monitoring. Visit partner

IdentityIQ FICO

A FICO-based tri-merge credit report. Visit partner


A VANTAGE-based tri-merge credit report. Visit partner

Legal Shield

Legal Advice and identity theft protection for long term security and peace of mind. Visit partner

Did You Know

Payment history makes up about 35% of your credit history. It’s critical to make your payments on time. The credit bureaus (Equifax, TransUnion, and Experian) use credit history as part of their algorithm to determine your credit score.