Credit Building

Top credit building guides

A charge-off means that a creditor has closed an account, but the debt isn’t gone. See how this can negatively affect your credit score.

It is possible to remove account collections from your credit report, but building your credit back up could take some time.

Experian, Equifax and TransUnion are the three major credit bureaus, or credit reporting agencies. See how they work in this guide.

A good credit score falls in the 670 to 749 range. A credit score of 750 and above is considered very good or excellent.

Tomo Credit Card review
The Tomo credit building card is currently on a waitlist, meaning it’s not available right now. Compare features and other options here.
Kovo Credit Builder review
Kovo Credit Builder helps you build your credit history for around $10 per month and reports to four credit bureaus. Many competitors do not.
How to build business credit
It’s a little different from regular credit scores — here’s how to build business credit.
7 best credit-building apps
The best credit-building apps include Self Credit Builder, Step, Fizz, Cred.ai, Cleo, Grow Credit and Credit Karma Credit Builder.
Lexington Law credit repair review
Lexington Law is a credit repair company, but it carries a poor reputation.
Credit repair companies: Is it worth paying someone to fix your credit?
Credit repair is something you can do yourself, so it may not be worth the cost.
CreditStrong review
Credit Strong is a division of Austin Capital Bank and offers many credit-building loans to choose from, but they can be costly.
9 debit cards that build credit without charging interest
Debit cards and similar cards that can help build credit with little to no risk include: Extra, Fizz, Current, Chime, Step, Varo and more.
Bright Money app review
Bright can help pay down credit card debt from multiple angles.
Cheese Rewards Checking review
A digital bank built for Asian-Americans. Earns up to 10% cash back and up to 3% APY.