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Transform Your Life With

Stronger Credit and Savings

Credit Strong is the reliable way to establish, build, or rebuild strong credit.

Purchase the home of your dreams

Get the car loan you deserve

Be approved for better credit cards

But don’t just take our word for it, here’s what our customers have to say:

 

“In the past 12 months my FICO score has risen almost 100 points. Credit Strong has been an invaluable tool in improving my credit profile.” – J.B.

Building strong credit might be the best investment you ever make. 

We’ve changed credit to be in your favor. Now you can build credit by saving instead of spending.

Your Credit Strong account automatically helps you set aside money in a savings account, so you grow your savings as you build your credit.

Building credit helps you save thousands of dollars in interest and fees.

With no hard credit inquiry or credit score required, low monthly payments, and no upfront deposit, it's easy to get started.

 

How does it work?

Open an Account in Minutes

When you open your Credit Strong account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.

Make On-Time Payments

Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service.

Track Your Progress

We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.

Unlock Your Savings

When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.

Plans and Pricing

Choose the Credit Strong account that's right for you

offer page

BUILDING CREDIT

Installment Line Reported

Number of Payments Reported

BUILDING SAVINGS

Savings Account Deposit

Account Type

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Loan funds deposited in savings account are locked to secure loan and not available to withdraw until loan is repaid in-full.

Benefits of your Credit Strong account

 

Installment loan reported to all 3 major credit bureaus

 

 

NO hard credit pull or inquiry

 

 

NO upfront security deposit required

 

What to expect when you open your Credit Strong account

Today, activate your Credit Strong account by paying a one-time non-refundable fee of $8.95

Starting next month, make 12 or 24 on-time monthly payments based on your plan.  We report your payments to the three major credit bureaus.

When your account is paid-in-full, you'll unlock your savings plus the interest you've earned.

About Credit Strong

Credit Strong is a direct division of Austin Capital Bank, a 5-star rated independent community bank and member of the FDIC. We have grown to be one of the preeminent community banks in Central Texas and a national leader in responsible financial services innovation.  

 

Experience

Over 50,000 accounts opened

Safe & Secure

Member of FDIC, so you know your savings and financial information are safe.

 

Recognition

Member of "Inc. 5000" for 3 years running

 

You Got This!

Ready to get started? Complete your online application in a few minutes

 

Start the Process

Have some questions?

Credit Strong FAQ

A Credit Strong account is the fusion of a loan and savings account.  It can help you establish, build, or rebuild your credit score while you accumulate savings. Monthly payments are reported to the 3 major credit bureaus and when you complete your payments, the funds unlock and you have credit history and cash.

Credit 101

Building credit or trying to improve your credit score can be confusing if you don’t know what factors impact your credit profile.  A benefit of your Credit Strong account is you receive your FICO Score monthly for free. Learn more about credit and FICO Scores. 

What is required to open an account?

The following requirements are needed to open a Credit Strong account:

  • You must be at least 18 years old and a permanent U.S. resident with a physical U.S. residence (address)
  • A valid social security number (SSN) or individual taxpayer identification number (ITIN)
  • A checking account, debit card, or prepaid card in good standing
  • A mobile phone number
  • An email address
How do I check my account balance?

You can review your account information, balances, loan schedule, check your FICO credit score, and download account documents on your Credit Strong dashboard at:  https://apply.creditstrong.com/login

Is Credit Strong legit and not a scam?

Credit Strong is a division of Austin Capital Bank. Austin Capital Bank is a 5-star rated FDIC insured Texas State Savings Bank, located in Austin, Texas. As an FDIC insured bank, Austin Capital Bank is subject to rigorous federal and state oversight and examinations on a regular basis by the Federal Deposit Insurance Corporation and the Texas Department of Savings and Mortgage Lending.

Credit 101

It’s important to understand how FICO 8 score is different from other providers and what causes it to change over time. Keep reading to get an overview and see how Credit Strong can help you improve your credit score.  READ MORE

What is a Fico score?

Your FICO® Score is calculated by a computer algorithm that evaluates many sources and types of information on your credit report when you apply for credit. By analyzing the information and patterns in your credit profile to patterns in millions of past credit reports, your FICO® Score provides lenders a consistent and reliable assessment of how risky it may be to lend you money.  READ MORE

obtaining Your credit report

Federal law allows you to request your credit report free of charge from each of the three major bureaus annually. Note that you may receive only your credit report from each bureau and not a credit score. You can request your annual credit reports at www.annualcreditreport.com.                                     

Have some questions?

Credit Strong FAQ

A Credit Strong account is the fusion of a loan and savings account.  It can help you establish, build, or rebuild your credit score while you accumulate savings. Monthly payments are reported to the 3 major credit bureaus and when you complete your payments, the funds unlock and you have credit history and cash.

What is required to open an account?

The following requirements are needed to open a Credit Strong account:

  • You must be at least 18 years old and a permanent U.S. resident with a physical U.S. residence (address)
  • A valid social security number (SSN) or individual taxpayer identification number (ITIN)
  • A checking account, debit card, or prepaid card in good standing
  • A mobile phone number
  • An email address
How do I check my account balance?

You can review your account information, balances, loan schedule, check your FICO credit score, and download account documents on your Credit Strong dashboard at:  https://apply.creditstrong.com/login

Is Credit Strong legit and not a scam?

Credit Strong is a division of Austin Capital Bank. Austin Capital Bank is a 5-star rated FDIC insured Texas State Savings Bank, located in Austin, Texas. As an FDIC insured bank, Austin Capital Bank is subject to rigorous federal and state oversight and examinations on a regular basis by the Federal Deposit Insurance Corporation and the Texas Department of Savings and Mortgage Lending.

Credit 101

Building credit or trying to improve your credit score can be confusing if you don’t know what factors impact your credit profile.  A benefit of your Credit Strong account is you receive your FICO Score monthly for free. Learn more about credit and FICO Scores. 

Credit 101

It’s important to understand how FICO 8 score is different from other providers and what causes it to change over time. Keep reading to get an overview and see how Credit Strong can help you improve your credit score.  READ MORE

What is a Fico score?

Your FICO® Score is calculated by a computer algorithm that evaluates many sources and types of information on your credit report when you apply for credit. By analyzing the information and patterns in your credit profile to patterns in millions of past credit reports, your FICO® Score provides lenders a consistent and reliable assessment of how risky it may be to lend you money.  READ MORE

obtaining Your credit report

Federal law allows you to request your credit report free of charge from each of the three major bureaus annually. Note that you may receive only your credit report from each bureau and not a credit score. You can request your annual credit reports at www.annualcreditreport.com.                                     

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