Credit building

Lexington Law is a credit repair company, but it carries a poor reputation.

Top apps like Self that build credit include Kikoff, Grow Credit, Chime Secured Credit Builder Card, Credit Strong and Cleo.

Kikoff offers several credit-building products, including a secured card with no monthly fee, no interest charges and a low minimum deposit.

Kovo Credit Builder helps you build your credit history for around $10 per month and reports to four credit bureaus. Many competitors do not.

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.

The Tomo credit building card is currently on a waitlist, meaning it’s not available right now. Compare features and other options here.

Bright can help pay down credit card debt from multiple angles.

Credit-builder loans improve your credit score with payments into a savings account. Self, Ava and MoneyLion are top examples.

Credit Strong is a division of Austin Capital Bank and offers many credit-building loans to choose from, but they can be costly.

These rent and utility reporting services report rent and bill payments to credit bureaus to help you build credit without a credit card.