Build Credit

While we send disputes to remove the negative information on your credit, it's very important that you begin to work on building your credit. There are multiple ways to do this, depending on your situation, and we've listed them below to get started. These steps do not require good (or any) credit to start. They are very easy steps to take, requiring minimal effort and time.

Credit Builder Cards

Credit builder cards, technically secured cards, are similar to credit cards. The difference is that you pay a security deposit to have them. But just like credit cards, they count as revolving accounts (very important for your score to have this) and let you build payment history. They are incredibly helpful for building your score. We've listed two that past clients have liked the most.

Credit Builder Loans

Credit builder loans, technically secured installment loans, are important to have. Part of your score depends on you having an active installment loan. If you don't have one, and your credit isn't good enough to get one, these are the solution. Having at least one will help your score a lot. We've listed our favorite, simplest-to-use options below.


Tradelines are one of the fastest way to boost your score. The company we work with below can add very old credit cards to your credit report as an authorized user, meaning you get all the same score benefits from that card too. While this can be an expesnive service, it's one of the fastest ways to boost your credit score. It will also significantly raise your revolving limits, making lenders think you're less risky, and giving you the opportunity to get approved for increased credit lines. If this seems complicated, it is! But it only seems that way. When you speak with them on the phone, they will explain it for you.