CREDIT BUILDING TOOLS
DISCLAIMER: Have at least three revolving credit lines and one active (or paid) installment loan listed on your Credit Report. The available credit builders below are primarily no credit checks & both credit credits and debt card accounts to help build credit (PLEASE READ BEFORE APPLYING). If you already have credit cards but those cards a maxed out, your primary goals would be to pay down your credit cards, which will guarantee score increases during your disputes.
(RECAP OF CREDIT GAMEPLAN HERE)
SIMPLY SCROLL AND READ THE BENEFITS OF EACH RESOURCE AND PICK 1-3 TO BUILD CREDIT. (THERE'S NO BEST ONE!)
INTRODUCING
NO CREDIT CHECK CREDIT BUILDING TOOLS
Increase your FICO® Score instantly for free
Get credit for your phone and utility bills
New credit scores take effect immediately
Includes free Experian Credit Report and FICO® Score
Results may vary, see website for details.
BOOST/BUILD CREDIT WITH YOUR RENT
Rental Kharma (Option 1)
Report all past rent at current rental $75.
Ongoing reporting keeps boosting score $8.95 a month
A landlord friendly process
It does not matter how you pay your rent Cash, Check, Venmo, Online etc
Reach your goals in weeks!
90 day money back guarantee
No credit check
No contract, cancel anytime
No lease required
Results may vary, see website for details.
Boom (Option 2)
$25-One-Time
Ongoing rent reporting from this month forward
Positive payments only
Reports to Experian, Equifax and TransUnion
No landlord involvement
Continue reporting even if you move
Credit score included
Results may vary, see website for details.
NO CREDIT CHECK CREDIT CARDS
The First Debit Card that Builds Credit
Still using a regular debit card? Find out how over 200,000 members are building credit with debit.
No credit checks
No deposits
No interest
Product Type: Debt Card
Results may vary, see website for details.
No credit checks
Low $200 Deposit Positive payments only
Reports quickly
Product Type: Secured Credit Card
Results may vary, see website for details.
Double Your Credit Limit with Reflex!
Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
See if you’re Pre-Qualified with no impact to your credit score
All credit types welcome to apply
Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
Initial Credit Limit of $300 – $1,000* (subject to available credit)
Monthly reporting to the three major credit bureaus
Fast and easy application process; results in seconds
Use your card at locations everywhere Mastercard® is accepted
Checking Account Required
Card Type: Unsecured, Mastercard
Results may vary, see website for details.
Builder Credit with Kikoff
No credit check
0% APR and No hidden fees
Open your account in minutes
Bank-level security keeps your data safe
A $750 revolving line of credit to use for Kikoff purchases
Build payment history that gets reported to Equifax and Experian
Product Type: Credit Building
Results may vary, see website for details.
Double Your Credit Limit with Surge!
Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
All credit types welcome to apply!
Initial Credit Limit of $300 – $1,000* (subject to available credit)
cardholders not held responsible for unauthorized charges on the Surge card.
Monthly reporting to the three major credit bureaus
See if you’re Pre-Qualified without impacting your credit score
Choose your own design
Fast and easy application process; results in seconds
Free online account access 24/7
Checking Account Required
Card Type: Unsecured, Mastercard
Results may vary, see website for details.
Double Your Credit Limit with FIT!
$400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
All credit types welcome to apply
Monthly reporting to the three major credit bureaus
Initial Credit Limit of $400.00* (Subject to available credit)
Use your card at locations everywhere Mastercard® is accepted
Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
Checking Account Required
Card Type: Unsecured, Mastercard
Results may vary, see website for details.
Build Credit with Secured CC and Credit Care Advantage
GO2Bank is the ultimate digital and mobile-fist bank designed to make safe, seamless and useful banking affordable for everyone!
No monthly fees with eligible direct deposit, otherwise $5 per month.
The Ultimate Mobile Bank Account.
Get your government benefits up to 4 days early. Plus, direct deposit unlocks exclusive perks!
Get your pay up to 2 days early with eligible direct deposit.
No hidden fees.
Product Type: eBanking Credit Building
Checking Account Required
Care Credit Advantage
Raise your FICO Score by an average of 19 points
Results may vary, see website for details.
Secured Credit Builder Visa® Credit Card
Chime® Checking Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
Free credit building, no matter your credit history
No annual fees or interest
Get your pay up to 2 days early with eligible direct deposit.
No credit check to apply
Card Type: Secured, Visa
Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
Reports to all 3 major credit bureaus
No minimum security deposit required
View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders
May be used everywhere Visa credit cards are accepted.
Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether.
Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM.
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. Credit Builder card issued by Stride Bank, N.A.
On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to TransUnion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
Results may vary, see website for details.
Build Personal/Business Credit
Results may vary, see website for details.
Build credit with every bill you pay.
Results may vary, see website for details.
No credit check, no interest, no fees – just instant approval.
Results may vary, see website for details.
Boost credit with your rent. No credit score, no credit check, no setup fee required!
Results may vary, see website for details.
CASE STUDY
Discover Our Business Credit Education & Business Credit Funding
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