Personal Business

Strong Credit Opens Doors

Improve your credit

+45 to +86

Average FICO Score 8 Increase 1

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

Our Products


Largest long-term impact


Point IncreaseAverage FICO Score Increase1
  • 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 establish and improve credit


Point IncreaseAverage FICO Score Increase1
  • Build up to $3,000 of revolving credit
  • Revolv can rapidly improve your credit utilization – and score
  • $99 per year – NO monthly payment required


Entry level account for new builders


Point IncreaseAverage FICO Score Increase1
  • Balances building credit with building savings
  • Build up to $1,100 of installment credit
  • Starting at just $28 per month

Real People.
Real Results.

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

Maria 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.

Kymani N.

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

Tim K.

Great combinations for a complete credit profile

Build revolving and installment credit with these product combos

MAXIMUM Credit for MINIMUM Payment
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Balance Building Credit & Savings
Get Started

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

Engineered for bigger and better credit on your terms

Impact Factors: Payment history (35%), Amount of Credit (30%), Length of Credit History (15%), Credit Mix (10%)

Specialty Credit Products

Protect your family and build credit for teens

FICO Score
Average First Credit Score1
  • Family identity protection for up to 2 adults 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

for Business

Interest Rate
Interest-Free Credit Builder Loan
  • 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

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?
Chat with a real live person based in
Austin, Texas.

Chat with a CreditStrong product expert

Chat Monday – Friday 8am to 5pm CT. After hours please leave a message
and we’ll follow up with you the next business day​.

Prefer to talk?

Call us at 833-850-0850 Monday – Friday 8am to 5pm CT

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.

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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. 

We don’t hide
the small print.
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 accountThe range of average first scores is 670 to 763. A credit score is generated for an adult child when 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.