Improve your credit score
Having negative items removed helps your credit profile but its equally important to have active accounts that show positive payment history. Adding primary trade lines to your credit profile and managing it well will show creditors that you are fiscally responsible; thus, lenders will view you as being low-risk. Here are several ways you can build credit.
Begin your credit building journey with Perpay+
Add healthy credit factors to your credit profile
Get up to a $1,000 spending limit reported to all 3 major credit bureaus — start building credit smarter for just $5/month.
How it works
1. Apply in 30 seconds
2. Connect your payroll
3. Start reporting
4. Watch your score soar
5. Use your spending limit
Primary trade lines - Revolving accounts
Firstcard - Secured Credit Card for Everyone
- Earn up to 15% cash back - at over 29,000 partner merchants, plus up to 10% Random Cashback on qualifying purchases. If you go for the Premium plan, you’ll earn an EXTRA 1% unlimited cash back on top of that.
- Build your credit history - Payments are reported to all 3 credit bureaus monthly.
- 0% APR: Unlike traditional secured cards with sky-high rates, Firstcard charges NO. INTEREST. EVER!
- Savings That Grow: With Firstcard Premium, your savings earn up to 4.00% APY
- No credit check - Your connected bank balance becomes your available spending limit, so there’s no need for a credit check.
- Inclusivity: Whether you’re an international student without an Social Security Number or an immigrant new to the U.S., you can apply using for FirstCard your passport and visa. They even have a multilingual customer support staff that supports five languages: English, Chinese, Japanese, Spanish, and Portuguese
EXTRA: Build Credit with Debit
- Earn points everywhere - Instantly earn points for every purchase made. Get points for rideshare, coffee,or even paying phone bill. The Extra Card pays for itself.
- Build your credit history - Turn every day purchases into credit worthy payments.
- Rewards you actually want - Find your new favorite thing in our expertly curated, members-only rewards store.
- Keep your bank - Extra is compatible with most banks across the United States, so you can keep your money where you want, while you spend smarter with Extra.
- No credit check - Your connected bank balance becomes your available spending limit, so there’s no need for a credit check.
- No interest rates - Because Extra charges a flat monthly membership, you’ll never have to worry about predatory interest rates which can lead to debt.
VARO Believe Secured Credit Card
This credit building option has 3 of the most desirable features of ANY secured credit card:
- No min. Security deposit
- No annual fee or interest
- Only soft pull credit check
Here’s how it works:
- Open a Varo money bank account. Then transfer money onto your Varo Believe Secured Account. The money you choose to put on the card will be your credit limit.
- Spend anywhere Visa is accepted. Each payment will be reported to all 3 of the major credit bureaus: Equifax, TransUnion and Experian.
- Track your score using the Varo Money app or MyScoreIQ
Credit Builder Card
- Secured credit card designed to help you build credit.
- 2x your credit boost by opening 2 cards that you can use anywhere (MasterCard).
- Low $200 limit so you won't go into debt.
- Easily build credit with all 3 bureaus.
- Make small purchases like gas or lunch, then make payments just before the due date.
- Keep your balance under $60 (30%) and earn a boost in your credit scores.
- Apply in Minutes + No Credit Score Requirement
PRIMARY TRADE LINES - installment accounts
RentReporters
DID YOU KNOW?
Your on-time rent payments are not automatically factored into your credit score.
After adding their rent to their credit file, our customers see an average increase of 40 points in 10 days.
- STEP 1 - Sign Up
- STEP 2 - They Verify Your Rental History
- STEP 3 - They report to Equifax & TransUnion
- STEP 4 - Let Your Rent Do the Work and Watch Your Credit Improve
Kovo Credit Builder
This option allows you to build credit while learning and expanding your financial education with 3 wonderful benefits:
- Get paid.
- Reach your credit goals.
- Save money.
Here’s how it works:
- Build credit with $10 installment payments for 24 months reported to all 3 credit bureaus.
- Learn with courses & get skills that help you succeed in a fast-changing world.
- Earn 1% Cashback on loan offers and up to $1,225.
Kikoff
Kikoff grows your credit by lowering your utilization. The Credit Account will help your utilization by adding a $3,500 credit line to your report. This credit line can only be used to finance Kikoff products and services.
Building your credit history every monthly payment you make builds your payment history, the most important factor for your credit score.
Increasing your credit ageThe older your accounts the better. Your Kikoff credit account doesn’t expire so you can increase your account age.
Credit Strong
Open a Credit Builder Savings Account
Credit Strong is a company that allows you to open a CD (Certificate of Deposit) that helps you build credit while saving money.
Each month you pay as low as $15 /mo for 12 to 120 months. They then report your on-time payment to all 3 credit bureaus each month
After doing this for a min. 12 months (based on your choice), you’ll gain access to the money that you've payed/saved In the end, you've managed to build at least a year's worth of on-time payment history, add a positive credit account, AND payed yourself while doing it!
Eligibility:
- Must be 18 years old and a permanent US citizen
- Have a valid SSN or ITIN number
- Have a checking account/debit card or prepaid card in good standing
- Have a mobile phone number & email address
Self Inc.
Open a Credit Builder Savings Account
Self Lender is a company that allows you to open a CD (Certificate of Deposit) that helps you build credit while saving money.
Each month you pay $25 /mo for 24 months or $48 /mo for 12 months, they then report your on-time payment to all 3 credit bureaus each month
After doing this for 12 or 24 months (based on your choice), you’ll gain access to the money that you've payed/saved In the end, you've managed to build at least a year's worth of on-time payment history, add a positive credit account, AND payed yourself while doing it!
Book a Discovery Call today.
You deserve a second chance. Take the 1st step to financial freedom with our award winning credit consulting team.