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Proven to Remove Hard Inquiries From Your Credit Report!

Let’s Build

Why DO I NEED TO BUILD CREDIT?

Whether you are in the midst of credit restoration or getting your first credit card, the best way to boost your credit profile is by adding positive accounts. The positive accounts accomplish two main goals: Counteracting Negative Information and Establishing a Good Credit History.

Click the buttons below for more details:

Or Call 888.725.1449 for a free credit consultation

Credit Card Builders

Avant Credit Card

  • Fees: $39 Annual Fee
  • Secured: No Deposit Required
  • Approval Process: Soft Check for Pre-Approval (Hard Inquiry Only If Accepted)

  • Reports to the 3 Major Credit Bureaus
  • Typical Credit Limit Range: $300 – $2,000
  • Typical APR Range: APR is 31.24% Variable.
  • Periodically reviews account for credit line increases

Ava Credit Builder Card

  • Fees: $6-$9 Monthly
  • Secured: No Deposit Required
  • Approval Process: Instant Approval

  • Reports to the 3 Major Credit Bureaus
  • Typical Credit Limit Range: $2,500 but the ability to spend up to $25 (or higher depending on your spend limit) on a subscription program monthly
  • Typical APR Range: 0% Balance is due in full 7 days after use
  • Requires a Bank Account Connection for Sign Up

Petal Visa 1 or 2 Card

  • Fees: $0-$59 Annual Fee (Dependent on Card chosen)
  • Secured: No Deposit Required
  • Approval Process: Soft Check for Pre-Approval (Hard Inquiry Only If Accepted)

  • Reports to the 3 Major Credit Bureaus
  • Typical Credit Limit Range: $300 – $5,000
  • Typical APR Range: Variable APRs range from 25.24%-34.74%

Discover it Secured Credit Card

  • Fees: $0 Annual Fees
  • Secured: Minimum $200 Refundable Deposit Required
  • Approval Process: Soft Check for Pre-Approval

  • Reports to the 3 Major Credit Bureaus
  • Typical Credit Limit Range: $200 (Dependent on Deposit)
  • Typical APR Range: 28.24% Variable APR
  • Periodic review after seven months to upgrade card status

Loan Builders

Ava Credit Builder Loan

  • Fees: $30 Monthly
  • Secured: No Deposit Required
  • Approval Process: Instant Approval

  • Loan Term Range: 12 Months to unlock
  • Reports to the 3 Major Credit Bureaus
  • Once loan is completed/cancelled funds will be released to account holder.

CreditUP by 5star Bank

  • Fees: $0 Admin Fees / Low Interest Rate
  • Secured: Minimum Loan Amount $500 to $1,200
  • Approval Process: Soft Pull Credit Check

  • Loan Term Ranges: 12 months, 18 months, or 24 months. (Can Cancel at Anytime)
  • Reports to 3 Major Credit Bureaus
  • Once loan is complete/canceled funds will be released to account holder.

Kovo

  • Fees: $10 Monthly for 24 months
  • Secured: No Deposit Required
  • Approval Process: Instant Approval

  • Loan Term Range: 24 months
  • Reports to Equifax, TransUnion, Experian and Innovis
  • Once loan is completed/cancelled funds are not returned.

Cheese Credit Builder

  • Fees: Loan Interest rate of 5% -16%
  • Secured: Minimum Loan Amount $500 to $2,00
  • Approval Process: Soft Pull Credit Check

  • Loan Term Ranges: 12 months or 24 months.
  • Reports to 3 Major Credit Bureaus
  • Monthly Savings: Calculated based on total loan amount and term.

Rent and Utility Reporters

Boom Rent Reporter Loan

  • Fees: $2
  • Past Reporting: $25 One-time fee for 24 months past reporting
  • Approval Process: Instant Approval

  • Reports to the 3 Major Credit Bureaus
  • Prefers a Bank Account Connection for Sign Up
  • Little to No Property Management Involvement

StellarFi

  • Monthly Fees: $5 or $10
  • Approval Process: Instant Approval
  • Reporting up to $500 0r $25,000 of rent and utility payments

  • Reports to Equifax and Experian
  • Prefers a Bank Account Connection for Sign Up
  • Bills automatically debited from checking account

RocktheScore

  • Set Up Fees: $48
  • Monthly Fee: $7 monthly afterward
  • Past Reporting: $65 One-time fee for 24 months past reporting

  • Approval Process: Instant Approval
  • Reports to Equifax and TransUnion
  • Property Management Involvement. Must verify payments via email.

Chime

  • Monthly Fees: $0
  • Secured: Yes* money moved to Credit Builder secured account is used for building.
  • Approval Process: Instant Approval

  • Reporting: Varies. Credit Builder doesn’t have a pre-set credit limit.
  • Reports to the 3 Major Credit Bureaus
  • Must establish a Chime Bank Account for this product
  • Best for those who have trouble establishing bank accounts

To add positive reporting accounts to your credit report, consider the following steps:

1. Apply for a Builder Credit Card: Theses credit cards are designed for people with limited or damaged credit. Some may require a security deposit but can help you build a positive credit history when used responsibly.

2. Credit Builder Loans: Some financial institutions offer credit builder loans, which are designed to help individuals build credit. These loans typically involve making small, manageable payments over a set period, and once completed, you receive the loan amount plus interest.

3. Pay Your Bills On Time: Ensure that all your bills, including rent, utilities, and student loans, are paid on time. While these may not typically appear on your credit report, some credit scoring models consider alternative data sources.

4. Become an Authorized User: Ask a family member or friend with a good credit history to add you as an authorized user on their credit card account. Their positive payment history can benefit your credit.

Remember that building a positive credit history takes time and consistent effort. It’s essential to be patient and responsible in managing your credit to achieve the best possible results.

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