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Build stronger credit for a brighter tomorrow.

Three powerful ways to build credit.

Start Building Credit

+88 points (footnote 1)

average FICO® Score increase for our customers
  • Reports to all 3 major credit bureaus
  • No hard credit pull
  • Free FICO® Score monthly
  • Backed by Austin Capital Bank, Member FDIC
Our Products

Stronger credit starting at just $15/month

Whether you need a fast boost,long-term improvement,
improving your credit score has never been easier.

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Help me choose

Your stronger credit starts today.

Every account comes with:

  • Reports to all 3 credit bureaus
  • No hard credit pull
  • Free monthly FICO® Score
  • Backed by Austin Capital Bank, Member FDIC

How CreditStrong works

  1. Choose your plan

    Pick your plan based on your goals and budget

  2. Make payments

    Follow your plan to build strong credit history

  3. Track your progress

    Track your score’s progress as you go!

Which product is right for you?

Select the sentence that fits you best.

FAQs

CreditStrong accounts are secured credit builder accounts designed to make building credit history accessible, safe, and affordable. With a range of plans, you can choose one that fits your budget and your goals.

For more information, visit our Support Center.

Everyone’s credit is different, so results will vary. Your score could change as soon as your account is first reported, or it may take a few months. Most users see improvements in 3–6 months, with the biggest results after 12 months.

CreditStrong Revolv accounts are reported 15 days after opening. Installment accounts (Instal, Magnum) are reported at the beginning of the month after your first payment.

All accounts are reported to Experian, Equifax, and TransUnion by Austin Capital Bank.

We offer plans for a range of goals and budgets. Revolv accounts start at $15/month, a simple fixed subscription with 0% interest and no hidden fees.

Our installment accounts start at $16/month for MAGNUM and $28/month for Instal, with a fixed monthly payment and interest rate based on the plan you choose.

Apply in just minutes! CreditStrong offers secured credit builder accounts, so there’s no hard credit pull to apply. Just choose a plan and enter your information.

CreditStrong is available to U.S. residents 18 or older with an SSN or ITIN, and there’s no minimum credit score required. CreditStrong is not currently available in Vermont or Wisconsin.

Want to know more?

Get answers, 24/7

Chat with our virtual assistant 24/7 for quick answers

Connect with us

Call 833-850-0850 for Austin-based support, Mon–Fri, 8AM–5PM CT.

Visit our support center

Access online

See what 1M+ members are saying about CreditStrong.

“Not only am I approaching 700, but it’s been less than a month. Literally the best thing that’s happened to me.”

Kimi

“After almost four years with my auto loan, my credit score barely moved. I am in my third month with CreditStrong and my score has jumped over 45 points, and I just received my first credit card today. I had to change my payment to a new debit card and their customer service representative was extremely helpful and kind. Highly recommend this company.”

Ron

“Been on it for 6 months and my score is up 122 points. Along with fixing my credit, CreditStrong has worked wonders.”

Mathue

“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.”

Kymani N.

“The process was simple, payments were easy to manage, and it helped me raise my credit score faster than I expected. I recently canceled my loan because I reached the credit score goal I was working toward, and I couldn’t be happier with the results. If you’re looking for a straightforward way to build your credit, I’d definitely recommend giving Credit Strong a try.”

Damarko

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