As much as we may think our credit score is the most important factor when applying for credit products like auto loans, a mortgage, credit cards, etc. Lenders also look at what's behind the numbers, meaning the accounts that make up your credit report.

A strong credit report should have a mix of installment accounts (loans) and revolving accounts (credit cards). Of course, you shouldn't have any negative items like late payments, charge-offs, collections, repossessions, bankruptcies, and public records. Here's a breakdown of what an ideal credit report should look like...

100% Payment History

10% Or Less Credit Card Utilization ($1,000 credit limit = $100 balance)

0 Derogatory Marks

4 Or More Years Of Average Credit History

10 Or More Positive Accounts (no less than 5 accounts)

3 Or Less Inquiries On Each Credit Report (Equifax, Experian, & TransUnion)

Below are some accounts we recommend adding to your credit report...

Build credit while you build savings.

With a Credit Builder Account, you make on-time monthly payments to create positive payment history that Self then reports to three major credit bureaus. At the end of your plan, you unlock your savings — minus interest and fees

No credit score required

No hard pull

Build credit with your rent payments.

Report your rent payments for $2.00 per month. Boom reports to Experian, Equifax and TransUnion. Report ongoing payments and up to 24 months of prior payments. See your credit score impact in 10 days.

Credit building on your terms.

You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment - you can pay your balance in full at any time. We report your monthly payments to the major credit bureaus. Each one builds your payment history (and your credit).

Build credit while you save money.

Before Credit Strong: You’re stuck in a vicious cycle of denials and high cost credit only to see your credit score remain flat.

After Credit Strong: Low monthly payments build your credit and grow your savings at the same time, unlocking new opportunities.

Build your credit by reporting your rent.

Let us help you build and improve your credit so you can jumpstart your financial future.


Build your credit with a debit card.

Extra is the first debit card that builds credit and earns rewards points just like a credit card. No credit checks. Keep your bank.

Build Your Credit with Rent. Get Started for Just $1.

The fastest way to build up your score. Up to 2 years of past rent payments added to your credit report in a few days. Supercharge your credit history in as little as 72 hours.

Experian®: Increase your FICO® Score instantly for free.

Get credit for your phone and utility bills.

New credit scores take effect immediately.

Includes free Experian Credit Report and FICO® Score.

The digital credit card for everyone.

Grain provides a line of credit based on your cash flow, not your credit score. Just sync your current debit card and use Grain as you would a credit card. Grain analyzes your cashflow and instantly pre-approves you for a line of credit.

Get credit for paying for your subscriptions.

row Credit offers a free Mastercard you can use to pay your subscriptions and build your credit. We report your on-time payments to all three major credit bureaus (Equifax, Experian and TransUnion) which helps establish or boost your credit score.

Save your way to better credit.

Grow your savings, build your credit, unlock a brighter financial future. All for free with LOQBOX. Build your savings and your credit score by making on-time payments each month, which we report to the major credit bureaus.

The credit card of tomorrow.

We will never pull your credit. Not only does Tomo report to all 3 major credit bureaus but we are the first card to offer expedited weekly payments. Always pay on time and watch your credit score grow!

You’re better than your bank™.™ is a high-tech and premium everyday card spending experience, 100% mobile with a free metal card. With the guaranty you never pay fees or interest, never overspend, build credit automatically, and spend your paycheck early, with cutting edge tech you can’t get anywhere else.

Credit Builder Secured Visa® Credit Card

An Academy Bank Credit Builder Secured Visa® Credit Card is perfect for those looking to improve their credit score. With automatic reporting to the three major credit bureaus, Academy Bank is here to help you build a better credit history. Set your own credit limit between $300 and $3,000 based on the amount you deposit into your Credit Builder Savings Account. Increase your credit limit by adding funds in increments of $50 or more to the savings account.

Credit Builder Loans

A Credit Builder Loan is specifically designed to help you build or rebuild your credit history as you build up to $3,000 in savings plus dividends.

Flexible terms - from 12 to 24 months.

Fixed loan rate - 5% Annual Percentage Rate (APR).

Earn dividends - funds in your DCU Savings account earn dividends at the published dividend rate.

Establish credit - as you repay on time, we report this information to the credit bureaus.

Build credit history the (extra) easy way.

Credit Builder can help eligible One customers automatically increase their credit score, for free. No direct deposit is required. There are no hidden fees buried in fine print. Fund Credit Builder then spend with your One card to start building your credit history. Adding Credit Builder won’t ding your credit score. There is no new card or separate account to manage. One automatically submits your full on-time payment every month to major credit bureaus.

The premium card changing how the world gets credit.

Build credit and get unsecured in as fast as 4 months—3X faster than anywhere else. The difference with Sable: We report on more data points to the major credit bureaus than almost any other credit builder, so you can build your credit faster than anywhere else.

ScoreUp™ Credit Builder Loan

Build or rebuild your credit score while building up your personal savings with no fees and a fixed low rate. Our ScoreUp Loan is here to help if you have no credit, little credit or may need some help improving your credit score. By making manageable monthly payments on-time, you’ll be establishing a positive credit history, while also growing your savings.

Buy now, pay later, build credit.

Our mission is to make everyday purchases more accessible and help you build credit along the way.

No credit check required

Shop 1,000+ top brands

Small payments from your paycheck

A simple way to build credit

Build credit while saving, for FREE.

That's right! You keep 100% of the money you save. No interest, no fees, no hidden costs of any kind. Why? Because we think you'll like us enough to use our other financial products when you need them. Unlike secured cards, which typically need a deposit of hundreds of dollars, our Credit Builder Prime doesn’t require an up-front deposit.

Disclaimer: Some of the links are affiliate links and if you go through them to make a purchase we will earn a commission. Keep in mind that we link these companies and their products because of their quality and not because of the commission we receive from your purchases. The decision is yours, and whether or not you decide to buy something is completely up to you.