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.

Apps Like Kikoff
Top alternatives to Kikoff for easy credit-building include Self, Cleo, Grow Credit, Fizz and One Finance.
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.
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.
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.
Kikoff Credit Building review
Kikoff offers several credit-building products, including a secured card with no monthly fee, no interest charges and a low minimum deposit.
9 Prepaid Credit Cards to Build Credit
Prepaid credit cards are secured cards that work like debit cards to avoid APR and build credit. Top options include Step, Current, Varo and more.
Bright Money app review
Bright can help pay down credit card debt from multiple angles.
Cushion app review
Cushion is an all-in-one banking app that helps you track your spending and build credit without interest charges. See if it could be right for you.