Credit Building

Hike Towards Your Financial Freedom!

Over half of your credit score is factored by your payment history and credit utilization. Without a line of credit open, you are completely missing out on these points! If you are just starting out or rebuilding your credit, use one of the tools below to start earning back those points!

Keep in mind that we may receive commissions when you click our links and make purchases. However, this does not impact our reviews and comparisons.

Self Lender
Secured Credit Card

Self lender reports to the credit bureaus as an installment loan. This loan acts as a CD/Personal Savings by building interest and then allowing you to cash it out after a certain time period. The GREAT thing about Self Lender is after 3 on time payments and a total of $100 invested, you can convert the amount of your choice ($100 min) to a secure credit card! If you get a $100 secure card, and continue your self lending program, you now have TWO positive accounts reporting to all 3 bureaus!

Credit Builder
Secured Credit Card

NO CREDIT CHECK OR HARD INQUIRY!! This Secured credit card is perfect for the beginner or rebuilder. You can put down as little as $200 to open your secured card. In addition, the low annual fee on the card will report as an on time payment to your credit report before you even receive the card in the mail. This ensures you are able to quickly start building your credit score! They are quick to report and report multiple times per month to all 3 bureaus!


Build credit in 3 easy steps: The great thing is that you can choose the amount and how frequently to pay!

  1. Set aside as little as $10 every paycheck for your plan.
  2. Build credit with every on-time plan payment.
  3. Access your savings once you’ve completed your plan.

All plans are special loans where the full amount gets locked in your SeedFi Savings Account when you’re approved. Your plan payments are actually loan payments that will be reported to the credit bureaus. Your savings are then unlocked and you gain access to your money when your loan is paid off in full.

Credit Strong

FREE monthly FICO® Score 8 provdied, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.

Credit Strong instantly gives you a bank loan and place the funds in a FDIC insured savings account in your name. Funds are locked to secure the loan. You’ll make small monthly loan payments and Credit Strong will report your payments to the three major credit bureaus, building your credit history each month. When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.

Rent Reporters

RentReporters helps you use rent payment reporting to build credit with Transunion and Equifax to increase your credit score. There is a one-time enrollment for reporting up to 2 years of rental payment. The monthly subscription of $9.95 is for the ongoing reporting of your monthly rent payments. They provide a discount for spouses/roommates so you can both build positive credit!

5 Star Processing Business Credit Card

Great Starter Card for Business Owners!
Minimum Requirements:
Business Bank Account
Minimum Personal FICO Score Of 300+
REPORTS TO D & B currently
more coming soon…


Currently available for Apple phone users, Waitlist for Android

NO CREDIT CHECK! Grain analyzes your income and instantly offers you a revolving line of credit up to $1000. Just sync your current debit card and use Grain as you would a credit card.

Grain provides a line of credit based on your cash flow, not your credit score. Awesome Digital Card option.

Grow Credit

Grow is a free unsecured MasterCard dedicated to paying online subscriptions. Grow helps consumers build credit for free on all three credit bureaus, Experian, Equifax, and Transunion.

You repay your balance at the end of each month, and they report your positive payments history to the credit bureaus. There is no hard credit pull, meaning applying will not impact your score. With the free Build Membership plan, a $204 loan is reported to the credit bureaus, which can be used in increments of $17 per month for 12 months.

The premium plans enable you to apply your balance toward your cell phone plans, allowing you to build credit with your cell phone bills. With the Grow Membership plan, you can use up to $50 per month toward the most popular subscriptions, and a $600 loan is reported to the credit bureaus. With the Accelerate Membership, you can use up to $150 per month, and we report an $1800 loan to the credit bureaus.


Kikoff creates a $500 credit limit, but you have to make a purchase of $20 or less to activate your credit account. You’ll pay the $20 or less purchase back with $0 fees, 0% interest and kikoff reports your payment each month to Equifax and Experian. Each monthly payment will help you build positive payment history and the credit limit will help lower your utilization.

Kikoff is currently NOT available in in the following US states:
Delaware (DE)
Nevada (NV)
Indiana (IN)
South Dakota (SD)
Rhode Island (RI)

Smart Credit


Smart Credit’s platform is the most comprehensive tool to monitor not only your credit but all your finances. Easily manage your bills, finances, credit scores, and any alerts all in one place for $24.95!

With our credit repair services, a free 3-Bureau credit report and scores are included for each billing cycle as well as these perks:

ScoreTracker: Track all your scores with simple charts or in-depth information.
ScoreBuilder: See exactly what is helping or hurting your credit score. Get a 120-Day Plan to a better score.
ScoreMaster: Use before you apply for credit, make payments or spend money.
Money Manager: All your online banking in one place. Use action buttons to quickly ask questions and resolve problems.
$1mm Fraud Insurance– Activation is required