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Credit Builders
Credit-building products are designed to help you establish or rebuild credit history through on-time payments reported to the credit bureaus. Compare accounts by type, monthly cost, credit check, bureau reporting, and key features — then choose any two to compare side by side.
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Our top picks
Picked for fees, features and who each one fits best, not for what we earn. Prices can change, so confirm them with the provider before you sign up.
Best on a tight budget
Kikoff
Plans start at $5 a month, and it reports to all three credit bureaus.
Note that Kikoff's service and features are separate from those offered by our organization. Kikoff's fees and terms are separate from those associated with our organization's services. Individual results may vary. Subject to approval. Terms & conditions may apply. Plans start at $5/mo for 12 mos. Autopay requires opt-in. Features & bureau reporting may vary depending on plan purchased. Subject to approval. Kikoff tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).
Best to save while you build
Self
Your monthly payments build savings you get back at the end of the plan, minus interest and fees. A common plan is about $25 a month.
Most bureaus reported
Kovo
Reports to Equifax, Experian and TransUnion plus Innovis, from about $10 a month.
No monthly fee
Chime Card
The Chime card has no routine card fee, but you need a Chime Checking account and must fund the card before you use it.
Pay rent? Self and Kikoff can also report your rent payments, so you may not need a separate rent-reporting service.
8 products
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
Advertiser Disclosure: We may earn compensation when you use certain links.
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
Note that Kikoff's service and features are separate from those offered by our organization. Kikoff's fees and terms are separate from those associated with our organization's services. Individual results may vary. Subject to approval. Terms & conditions may apply. Plans start at $5/mo for 12 mos. Autopay requires opt-in. Features & bureau reporting may vary depending on plan purchased. Subject to approval. Kikoff tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).
Advertiser Disclosure: We may earn compensation when you use certain links.
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
Advertiser Disclosure: We may earn compensation when you use certain links.
Perpay
Marketplace + optional Perpay+ reporting + separate unsecured Mastercard
4.7· 4,204 Trustpilot reviewsHow 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
Advertiser Disclosure: We may earn compensation when you use certain links.
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
Advertiser Disclosure: We may earn compensation when you use certain links.
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
Advertiser Disclosure: We may earn compensation when you use certain links.
Ava
Paid credit-building membership: restricted card, optional installment loan and bills
4.7· 2,891 Trustpilot reviewsHow 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
Advertiser Disclosure: We may earn compensation when you use certain links.
Brigit Credit Builder
24-month savings-backed installment builder with paid Premium membership
4.5· 6,086 Trustpilot reviewsHow 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
Advertiser Disclosure: We may earn compensation when you use certain links.
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