Strong Credit Opens Doors
Improve your credit up to
+88 points!
Average FICO® Score 8 Increase 1
As seen in
Whether you’re looking for the fastest boost or the largest long-term credit improvement, CreditStrong provides powerful credit building solutions
What is your
credit goal?
Build Credit Fast
Build Revolving Credit
Revolv
- Build revolving credit without a credit card
- Plans start at just $99/year with no monthly payment required
- Reports a revolving tradeline from $1,000 up to $10,000
- No security deposit required.
- Best if large credit card balances and high utilization are holding your score down
Build Long-Term Credit
Build Big Installment Credit
MAGNUM
- Build big installment credit and payment history
- Plans start at $30/month
- Reports an installment tradeline of $2,000 up to $25,000
- Build up to 120 months of payment history
- Payment history and Amount of Credit are the top two factors that determine your FICO® credit score
New to Credit
Build Installment Credit
Instal
- Small installment credit builder account that builds credit and savings
- $28/month payment
- Reports a $1,010 installment tradeline
- Build up to 48 months of payment history
- Build $1,010 in savings in 48 months
CreditStrong can positively impact factors that determine 90% of your FICO® Score
Build Payment History
35% of FICO® Score
Building payment history has never been easier
Reduce Utilization / Large Amount of Credit
30% of FICO® Score
Instantly reduce utilization / Build big credit
Longer Age of Credit
15% of FICO® Score
Build up to 120 months or more of credit history
Complete Credit Mix: Revolving + Installment
10% of FICO® Score
Revolv + MAGNUM can optimize your mix
Revolv + MAGNUM
Like peanut butter and jelly – A great combination for a complete credit profile
Improve the mix of credit on your credit profile
Good Credit Mix = Revolving + Installment credit tradelines
Credit Mix determines 10% of your FICO credit score
Real People. Real Results
No Credit?
No Problem
Whether you’re just starting your credit journey or in the process of rebuilding your credit, we are here for you.
Reports to
all 3 bureaus
CreditStrong 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 CreditStrong credit builder account
Cancel anytime
You can cancel any time with no penalty
Want to know more?
Visit our support center to learn all about CreditStrong and how it could fit into your credit journey
Answers when you need them
Use the message icon to chat with our Virtual Assistant and get quick answers to common questions – 24/7
Connect with us
Our Austin-based support team is here Monday – Friday, 8AM – 5PM Central.
We’re closed for most federal holidays.
Ask our Virtual Assistant to transfer you to a team member, or give us a call at
833-850-0850
Credit building and security
only a real bank can provide.
CreditStrong is part of an FDIC-insured bank, so you know your money and your personal information are safe and secure.
FAQ
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.
If your plan includes a monthly payment, your first monthly payment will be due one month after you open your account.
Typically, your CreditStrong account will appear on your credit report 30-60 days after you make your first payment. 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 Instal account, or it may harm your credit score.
Note: We provide your payment information to the three major credit bureaus, Experian, Equifax, and TransUnion, 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.
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 do not receive loan funds until the loan is paid off in full or closed. The loan funds secure the loan that is helping you build your credit.
You make monthly payments of principal and interest; the principal is returned to you when your account is closed — the interest is how we earn money to provide the service.
You may pay off, pay down, or close your account at any time with no penalty.
Yes, you may have up to six CreditStrong accounts
- Up to two Revolv accounts
- Up to two MAGNUM or Instal 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.
We don’t hide
the small print.
We’re
proud of it.
1Average first-year FICO® Score 8 increase of +88 points for CreditStrong account users who signed up in 2024; who started with a score below 550; who had 12 successful monthly payments. Individual results may vary.