Compare credit products

How it works: Kovo's Installment Credit Builder reports monthly payments to four bureaus (Experian, Equifax, TransUnion, Innovis) over a 24-month term. Includes credit monitoring, identity protection, and cash rewards on eligible offers. An optional revolving credit-builder product is available for eligible members.

Best for: People who want reporting to four bureaus, including Innovis

How it works: Shop via payroll-funded Marketplace, optionally enroll separately in $5/month Perpay+ reporting, or apply separately for the fee-bearing unsecured Mastercard.

Best for: Eligible payroll-funded users seeking $5/month reporting without a merchandise purchase, or comparing separate Marketplace/card options

How it works: Grow Credit issues a virtual Mastercard used for supported recurring subscriptions. Repayment history is reported to the three major bureaus.

Best for: People who want to build credit using existing subscription spending

How it works: Kikoff reports a credit-building tradeline to all three bureaus. Basic includes a $750 reported tradeline, weekly credit report, and rent reporting to Equifax and TransUnion. Higher tiers add larger tradelines, 3-bureau reports and scores, bill reporting, and identity protection.

Best for: People who want a low-cost tradeline reporting to all three bureaus

How it works: Users select a plan and make monthly installment payments. Payments are reported to all three major credit bureaus. Loan funds are held in a bank certificate of deposit and the remaining funds are returned after completion, minus applicable interest and fees.

Best for: People who want to build payment history and savings simultaneously

How it works: Spend existing Chime available funds using the secured Visa; pay each monthly card statement in full (Safer Credit Building may automate); card payment history reports to three bureaus.

Best for: People willing to use Chime Checking, fund their own purchases, and pay the card statement in full

How it works: Eligible debit-style Mastercard purchases use assigned Spend Power and are reimbursed from your linked checking account under your actual agreement; Extra furnishes qualifying activity to Experian and Equifax.

Best for: Customers with steady checking funds who want funded merchant spending and accept paid two-bureau reporting

How it works: Sky Blue reviews credit report information with customers and prepares and manages appropriate disputes; higher tiers offer expanded intervention services.

Best for: Consumers seeking hands-on dispute assistance rather than primarily self-service tools

How it works: Depending on the approved level, you place full, partial or no collateral, make card purchases and repay them. Legacy bill-pay history and limits do not transfer to the Smart Card.

Best for: Later consideration for adults who specifically want a digital credit card and can afford any collateral, annual fee and purchase repayments.

How it works: Eligible Premium subscribers use a 24-month installment Credit Builder with bank-held loan proceeds, separate savings contributions and monthly reporting to three bureaus. Free and Plus are NOT new builder enrollment plans.

Best for: Able to afford $15.99/month membership plus savings contribution and seeking installment payment history

How it works: Eligible members may use a restricted-merchant Mastercard charge card with separate personalized Spend Limit, apply for a bank-held savings loan, and add qualifying rent/utility/phone furnishing to TransUnion only.

Best for: Users who can responsibly fund restricted approved-merchant purchases and separately value optional rent/bill reporting

How it works: Boom reports on-time rent payments to all three bureaus. Ongoing reporting is $5/month (billed annually), and up to 24 months of previous rent can be added for a one-time $25 fee. Includes credit score tracking and can continue reporting after moving, subject to provider requirements.

Best for: Renters who want low-cost ongoing rent reporting to all three bureaus

How it works: Rental Kharma reports verified rental-payment history to TransUnion and Equifax. Enrollment includes a one-time setup fee (which covers reporting past rental history at your current rental after verification), followed by ongoing monthly reporting. Rental Kharma verifies rental history and ongoing payments with your landlord, property manager, or another authorized source.

Best for: Renters who prefer not to link a bank account or have more than 24 months of verifiable history at their current address; also offers separately priced utility reporting.

How it works: SmartCredit is a credit monitoring and credit-management service. Basic includes a monthly TransUnion credit report and credit-management tools; Premium adds monthly 3-bureau credit reports and scores plus ScoreTracker, ScoreBuilder, ScoreBoost, and Future Score features.

Best for: People who want credit-management tools and monthly bureau reports

How it works: IdentityIQ combines identity theft protection with credit monitoring. Plans range from 1-bureau monitoring (Secure Basic/Plus) to 3-bureau monitoring (Secure Pro/Max), with monthly 3-bureau credit reports and scores on Secure Max. Features include dark web monitoring, SSN alerts, identity restoration, and stolen-funds reimbursement subject to policy terms.

Best for: People who want bundled identity theft protection and credit monitoring

How it works: Aura combines identity theft protection, 3-bureau credit monitoring, and device security. Features include instant credit lock, financial transaction alerts, dark web monitoring, data broker removal, antivirus, VPN, password manager, and fraud remediation. A 14-day free trial is advertised. Aura's partner email also highlights automated personal-data removal requests to 200+ data brokers and people-search sites, parental content filters, screen-time management, and AI-powered gaming safety alerts. Feature availability varies by plan, product, supported device, and service eligibility. Confirm the selected plan includes the privacy or parental-control tools you need.

Best for: People who want all-in-one identity protection, credit monitoring, and device security; people seeking personal-data removal and families seeking parental controls on eligible plans.

How it works: Dovly AI is an AI-powered credit repair, monitoring, and credit-building platform. Automated disputes are submitted to TransUnion. Free includes a monthly TransUnion report and score and a manual TransUnion dispute tool. Premium adds weekly TransUnion reports and scores, monitoring alerts, unlimited AI-powered TransUnion dispute assistance, credit-building tools, an eligible $2,000 tradeline subject to approval, bill/rent credit-building tools, data breach alerts, TransUnion credit lock, and $1M identity theft insurance subject to terms.

Best for: Free: people checking their TransUnion report and disputing up to one error monthly. Premium: people wanting enhanced dispute support, weekly monitoring, conditional credit building and protection.

How it works: WalletHub monitors your TransUnion credit report and VantageScore 3.0 score with daily updates, and combines credit tools with budgeting, spending tracking, and identity-protection features in one platform.

Best for: People who want free credit monitoring and everyday personal-finance tools in one platform, with optional Premium identity protection and credit-building features.

How it works: Apply through Credit Builder Card, fund a refundable security deposit, and use the card like a regular credit card. Your deposit sets your credit limit.

Best for: People building or rebuilding credit who want a real credit card and can set aside a $200+ refundable deposit.

How it works: Enroll online, verify your rent, and Credit Rent Boost reports your on-time payments every Friday. Add Past Reporting to put up to 24 months of earlier rent on your report at the same time.

Best for: Renters who want their rent reported to all three bureaus for the lowest yearly price here, and who have past rent they'd like to count too.