These tools report to credit bureaus and help you build positive credit history. Add points while you sleep.
These services actually report your payments to the credit bureaus — that's what builds your score.
Consistent on-time payments show up on your report. Over time, your score goes up.
Higher score = better credit cards, lower interest rates, more financial opportunities.
Your rent payments don't automatically count toward your credit. These services report them for you — and one year of on-time rent can add 50-100 points if you have a thin file.
Reports your rent payments to TransUnion. One year of on-time rent can add 50-100 points.
Reports rent, utilities, and insurance payments to all three bureaus.
The original rent reporting service. Free option available.
These are designed for people building or rebuilding credit. They report to all three bureaus and don't require good credit to qualify.
Credit-builder loan that reports to all three bureaus. You build credit while saving money.
Secured credit card that reports to all three bureaus. No credit check to apply.
Credit-builder account that reports to all three bureaus. No minimum credit score needed.
Connects your bank account to add utility and streaming payments to your Experian report. Free.
Tradelines are additional credit accounts added to your report. They can boost your score quickly by leveraging someone else's long, positive credit history.
Get added as an authorized user on someone else's old, positive account. Their payment history transfers to your report.
Become an authorized user on established business accounts to build business credit.
Use our free dispute letters to remove negatives, then these tools to build positives.