Credit Builders
For Consumers
Credit builder providers can help consumers improve their credit profile by offering products and services that are designed to establish or improve credit history. This may include secured credit cards, credit builder loans, or other credit-building products that can help consumers establish a positive payment history and improve their credit score over time.
$25-$150 per month
Self
Build a savings account that reports to the credit bureaus as a loan being repaid! No credit-check.
$200-$400
CreditBuilderCard
A secured (prepaid) credit card that reports to all 3 bureaus and helps build payment history! There is no “real” cost for this, you are moving money from your account to a new account that reports to the bureaus!
DiscoverIT Secured Card
A prepaid credit card that starts at $200 deposit and graduates to a secured card in as few as 6 months.
Free
Credit Karma
Check your credit report today and track your progress as we assist you with your credit.
$20 – $30/mo
What's Your FICO?
90% of Lenders use the FICO model because it is the oldest and most trusted model. Get your FICO score or upgrade to get all 3 bureaus plus other financial tools to help monitor and strengthen your credit profile!
$8.99-14.99/mo
Brigit
Cash Advance + Credit Builder
Build your credit without extra debt.
Just save $1/month to build credit
No credit approval
No interest or upfront deposit
$2 per month
Rent Reporting
Report your current and past rent payments to Experian, Equifax and TransUnion with Boom
Varo Believe Card
Open a Varo bank account and direct deposit at least $1,000 in 30 days to qualify for their “Believe” credit card! Also they give you $50 when you join and spend $20 within 30 days of account opening!
Cred.ai Card
A prepaid credit card that reports a $1,500 trade line to Equifax! Use referral code: RRKBYG
Vital Card
Currently there’s a wait list but like X1, they don’t rely solely on your credit score for approval. They also have a unique rewards program.
Chime Credit Card
Start with their debit card and direct deposit at least $200 from your job to qualify for the Chime credit card which will help by reporting positive payments on your profile!
$129 then $30/mo for 6 months
National Credit Direct
A $5,000 tradeline with NO credit check! You are actually buying an item from their store and they report your on time payments!