Build Credit

Highlights

• Get up to a +88 average* FICO® Score increase on autopilot
• Designed for the biggest long-term impact on your credit score
• Build from $2,000 up to $25,000 of credit history starting at low monthly payments
• Great if you want to access premium CCs & higher credit limits
• No credit history needed; no hard check required
• No prepayment or early cancellation fees

  *Average first-year credit score impact of +88 points in 2024 for CreditStrong account users who started with a score below 550; who paid on-time for consecutively 12 months; and who had no delinquencies or collections added to their credit profile during the period. Individual results may vary.

Highlights

• No credit check
• 0% APR and No hidden fees
• Open your account in minutes
• Bank-level security keeps your data safe
• A  tradeline from $750 up to $2,500
• Build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.

Credit building on your terms

You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.

Grow payment history, guaranteed.

With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.

Reach your financial goals.

Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.