Improve ​your credit

+45 to +86

Average FICO®
Score Increase 1

Strong Credit Opens doors

Whether you’re looking for the fastest boost or the largest long-term credit improvement, CreditStrong provides powerful credit building solutions

Real People. Real Results.

Tim K
In 3 months my score has improved 84 points Well worth it to me.

Kymani N
I was so happy, and my credit offers got better, car loans got better. My life got better, and I thank you guys very much for helping me achieve that. I couldn’t have done it without you guys 😁  My new goal is 800. 

Maria N
It’s helping my credit. I was recently able to qualify for a mortgage loan because of my CreditStrong credit builder loan. Thanks, CreditStrong! 


Largest long-term impact 

  • Build a large amount of credit with a low monthly payment 
  • Build $2,000 to $30,000 of installment credit history 
  • Designed to build large credit – not savings
  • Starting at just $30 per month 

Fastest way to quickly establish and improve credit 

  • Build up to $3,000 of revolving credit 
  • Revolv can rapidly improve your credit utilization – and score 
  • $99 per year – NO monthly payment required 

Instal: Entry level account for new builders

  • Balances building credit with building savings
  • Build up to $1,100 of installment credit
  • Starting at just $28 per month

CS Max: Build larger credit with some savings   

  • Emphasizes building larger credit over savings growth
  • Build $2,500 to $10,000 of installment credit
  • Starting at just $49 per month
Great combinations for a complete credit profile 

Build revolving and installment credit with these product combos 

After you open your first account, look for “Explore our Products” in your account dashboard to add products and complete your credit building combo. 


Protect your family and build credit for teens and young adults 

  • Family identity protection for up to 2 parents and 6 children 
  • Credit building for up to 6 children ages 13 to 25
  • Just $149 per year or FREE with $3,000 FDIC-insured deposit 
Credit Strong
for Business

Establish and build credit for your company 

  • Keep personal and company credit separate  
  • Reports using Company EIN, not your personal SSN 
  • Build $5,000 to $50,000 of commercial installment credit

CreditStrong can positively impact factors that determine 90% of your FICO Score

Reports to all 3 bureaus

Reports to Experian, Equifax, and TransUnion​ 

Free FICO® Score monthly​

FICO® Scores are used by 90% of top lenders

No hard credit pull

There is no hard credit pull when you open a credit builder account​ 

Cancel anytime

You can cancel any time with no penalty 

Want to know more?
No chat bots here.

Chat with an Austin, Texas based customer support specialist 

  • Hit the ‘help’ button below to chat with a product expert Monday – Friday 8am to 5pm CT
  • After hours, leave a message, and we’ll follow up with you the next business day​ 

Prefer to talk?

Credit building and security only a real bank can provide.

CreditStrong  is part of a FDIC-insured bank, so you know your money and your personal information are safe and secure.


After I open my CreditStrong account, what should I expect?

You will immediately have access to your CreditStrong dashboard. You will receive your first FICO Score 8 within two weeks of opening your account and see the date for your next score update.

For Instal, CS Max, and MAGNUM, your first monthly payment will be due one month after you open your account. When possible, accounts are set up on autopay when opened. You can manually turn off auto-pay by going to the My Account/Payments tab. We recommend that you set up autopay so your payments are made on time. 

Typically, your CreditStrong account will appear on your credit report 30-60 days after you make your first payment. Note: We provide your payment information to the three major credit bureaus, but it can take them some time before they process the information and add the account to your credit report. Unfortunately, each credit bureau individually controls when your payment information will be processed and added to your credit report, and we are unable to expedite this process for you. 

Remember, the most important part of your credit building journey is to pay on time. Payment history makes up 35% of your FICO score, so it is important to avoid any late payments on your CreditStrong account, or it may harm your credit score. 

Instal, CS Max, and MAGNUM are installment credit builder accounts. What is an installment credit builder account?

An installment credit builder account is a cash secured credit builder loan where the loan funds are deposited in a deposit account in your name and locked to secure the loan

You make monthly payments of principal and interest; the principal builds your saving and is returned to you when your account is closed, the interest is how we earn money to provide the service

While you will build savings with your installment credit builder account, CS Max and MAGNUM accounts are optimized for building larger amounts of credit, not building savings.

Can I have multiple Credit Strong accounts open at the same time?​

Yes, you may have up to six CreditStrong accounts 

  • Up to two Revolv accounts 
  • Up to two MAGNUM / Instal / or CS Max accounts 
  • Up to two CreditStrong Business accounts 

To open multiple accounts, open your first account and successfully make the first payment and any account opening fees. A tile will appear in your dashboard, allowing you to apply for additional accounts. 

If you previously had a CreditStrong account that is now closed, you can open another new account – subject to limitations if your previous account was flagged for suspicious or fraudulent activity. 

1We don’t hide the small print

We’re proud of it

MAGNUM: Average FICO® Score 8 increase of 86 points in 12 months for MAGNUM 10000 accountholders with a starting credit score of 550 or less, for all accounts opened in 2021 with 12 or more months of account activity that made 12 on-time payments. 

REVOLV: Average FICO® Score 8 increase of 62 points for Revolv accountholders with a starting credit score under 550 who opened an account in Q1 2023 and made optional monthly savings payments between $15 and $45. 

INSTAL/CS MAX: Average FICO® Score 8 increase of 45 points for Instal/CS Max accountholders with a starting credit score under 550 who opened an account in Q1 2023 and made at least 3 on-time payments.  

Freekick: Average first FICO® Score 8 of 721 points for children with a FreeKick credit builder account. The range of average first scores is 670 to 763. A credit score is generated for an adult child when a minor child with a credit builder account becomes an adult and activates credit reporting. 

No credit score increase is guaranteed. Individual results will vary. Every individual’s credit profile is unique, and your personal credit score may be impacted by all accounts and activity reported on your credit report. 

Start building strong credit today for a better tomorrow.


Get Started

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