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Credit Strong is a secured installment loan and a SAVINGS account! You choose the account type that best suits your needs and then pay on the amount loaned to you for a determined period of time (anywhere from 2-10 years). You pay interest on the loan but you also accrue interest on your savings! Once your loan is paid off, the money is yours including the accrued interest.  There is NO credit check involved in Credit Strong and it builds your payment history, length of credit and credit mix on your credit report. I highly recommend this company as they are backed by Austin Capital Bank and are FDIC insured. Credit Strong reports to all three bureaus upon your first payment and you can see an increase in your score within 30-60 days. What is better than improving your credit AND having savings?!

*No credit inquiry

 
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Rent Reporters is a company that will report your on-time rent payments to TransUnion and Equifax.  They will report up to two years of on-time payments with your current landlord and all future payments. You can add on previous landlords for $50 each if you want to really increase your payment history. This is a great service for anyone who is already paying their rent on time every month. You might as well get credit for it!!

*No credit inquiry

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Credit Builder Card is a secured credit card designed to build or improve your credit. You can deposit anywhere from $200-$2000, make purchases and then are billed monthly. Your on-time monthly payments are then reported to Equifax and TransUnion, which increases your credit score. When your credit score has improved to your satisfaction, you can close the account and have your deposit returned.

*Soft inquiry

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I'm a big fan of Grow Credit. This is a great program specifically for someone who has no credit. If you have a decent amount of tradelines on your credit, but need a boost, this is an easy one to sign up for. Grow Credit offers you an installment loan as a Grow Credit Mastercard and you add it as your payment method for your recurring subscriptions such as Netflix, Disney+, Hulu, Blue Apron, Tinder, etc. They offer a FREE plan as well as premium plans with very affordable fees that come with higher limits. They report to all three bureaus and the timeframe of your plan is only 12 months which can be renewed.

*Soft inquiry

 
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Bright uses an AI driven system to study your finances and spending habits to help you pay off your debt faster. Bright moves money from your checking account to your Bright Stash once your Bright Plan is created. This money will then be used to pay down your debt faster. You are always in complete control of your finances and can change the amount moved from your checking at any time. Bright also calculates how much money is needed to add to your savings to reach a financial goal. You can add Credit Builder to your subscription and boost that credit score while paying off your debt. 

*No inquiry

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Greenlight is a debit card for kids and teens that tracks their spending and can teach them about budgeting, savings and investing. Parents can send allowance on auto-payment and can incorporate chores where the kids can be paid immediately. There are three subscription levels of Greenlight, all teaching your kids the importance of saving and budgeting. Greenlight can also be added to their Apple or Google Pay account AND direct deposit is offered to teens who have jobs.  If I had kids, we'd already be signed up.

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Identity IQ is a credit monitoring service that protects you from identity theft and offers your credit report and scores. You can sign up for $1 for a 7 day trial for the credit monitoring and then it is $24.99/month. They offer many other services such as:  dark web monitoring, identity restoration, identity theft insurance and device protection from Bitdefender.