credit building offers

Smart Credit helps you improve your credit score quickly and easily. Use Action Buttons to dispute errors and questionable negative items hurting your score. Membership includes:

  • ScoreTracker
  • ScoreBuilder®
  • ScoreBoost
  • Money Manager
  • Smart Credit Report®
  • $1 Million Fraud Insurance
  • PrivacyMaster®
The Best Secured Credit Cards

Secured credit cards are designed for people with limited or bad credit who want to build or rebuild their credit history. The cards are reported to major credit bureaus monthly – Experian, Equifax, and TransUnion. Use your secured credit card as a tool: put only small charges on it, which you will surely pay off, and use the card each month, so you don’t lose it due to inactivity. Thus, if you manage your secured card responsibly (always pay on time and pay off in full), you will be able to improve your credit.


A Credit Strong account is the fusion of a secured consumer installment loan and a savings account. During the life of your Credit Strong account you build both credit history and savings. 

Rent Reporters allow you to build your credit by reporting your rent payments. SmartPay allows you to pay your sign up fee in three monthly installments. Use offer code: SMARTPAYNOW

By opening a Self Credit Builder Account and paying monthly, on-time, you can build positive payment history. This can lead to a better credit score.

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