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.

Self

$25-$150 per month

Build a savings account that reports to the credit bureaus as a loan being repaid! No credit-check.

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CreditBuilderCard

$200-$400

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!

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Boom Rent Reporting

$2 per month

Report your current and past rent payments to Experian, Equifax and TransUnion with Boom

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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!

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Cred.ai Card

A prepaid credit card that reports a $1,500 trade line to Equifax! Use referral code: RRKBYG

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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.

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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!

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National Credit Direct

$129 then $30/mo for 6 months

A $5,000 tradeline with NO credit check! You are actually buying an item from their store and they report your on time payments!

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