Self
Build credit while saving money
People with no credit or poor credit who want to build a track record from scratch
Paid$25/mo
Verified May 2026
Explore Self
On self.inc
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Building Credit
For adults with debt, credit issues, or refinancing needs
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Showing 15 tools
Editor's Pick
Kikoff
Affordable credit-building lines starting at $5/mo
People with thin or damaged credit who want a low-cost monthly tradeline
Paid$5/mo
Verified May 2026
Explore Kikoff
On kikoff.com
Chime Credit Builder
Build credit with no fees, no interest, and no utilization tracking
Chime checking customers who want a no-fee credit-builder card
FreeFree
Verified May 2026
Explore Chime Credit Builder
On chime.com
OpenSky
A secured Visa with no credit check
People who can't qualify for any unsecured card and want a no-credit-check option
Paid$35/yr
Verified May 2026
Explore OpenSky
On openskycc.com
Credit Strong
Credit-builder installment loans from $1K to $10K
People who want a larger installment-loan tradeline plus forced savings
Paid$19/mo
Verified May 2026
Explore Credit Strong
On creditstrong.com
Upgrade Card
A credit line that works like a credit card
Borrowers who want predictable installment payments instead of revolving balances
FreeNo annual fee
Verified May 2026
Explore Upgrade Card
On upgrade.com
Experian
Free credit reports from the bureau itself
Anyone who wants score monitoring direct from a bureau
FreemiumFree tier
Verified May 2026
Explore Experian
On experian.com
myFICO
The only consumer source for real FICO scores
Borrowers preparing for a mortgage or auto loan who need to see their actual FICO
Paid$19.95/mo
Verified May 2026
Explore myFICO
On myfico.com
Credit Sesame
Free credit monitoring with $50K identity theft insurance
People who want free credit monitoring with built-in ID theft protection
FreemiumFree tier
Verified May 2026
Explore Credit Sesame
On creditsesame.com
Boom
Get credit for the rent you're already paying
Renters who want their on-time rent payments to count toward their credit
Paid$3/mo
Verified May 2026
Explore Boom
On boompay.app
StellarFi
Build credit by paying bills you already have
People who want their existing bill payments to build credit without taking on new debt
Paid$4.99/mo
Verified May 2026
Explore StellarFi
On stellarfi.com
Grow Credit
Build credit using subscriptions you already pay
People who want a free or near-free credit-builder tradeline from existing subscriptions
FreemiumFree
Verified May 2026
Explore Grow Credit
On growcredit.com
TomoBoost
AI financial coach with credit-building features
People who want AI-driven financial coaching alongside credit-building features
PaidSubscription (undisclosed) AI-powered
Verified May 2026
Explore TomoBoost
On tomocredit.com
Credit Karma
Free credit scores, always
free two-bureau credit monitoring with personalized financial product recommendations
FreeFree AI-powered4.8
Verified May 2026
Explore Credit Karma
On creditkarma.com
Experian Boost
Add rent and utility payments to your credit file
instantly raise your FICO score by reporting utility and streaming payments
FreeFree4.8 (2.6M)
Verified May 2026
Explore Experian Boost
On experian.com