CS Max
Build supersized installment credit with supersized plans
CS Max builds BIG credit with our largest and longest accounts. CS Max accounts report up to $25,000 of installment credit to the 3 major credit bureaus. CS Max maximizes amount of credit and is not designed to build savings.
Apply for an account in just minutes.
No hard credit pull on your credit profile. Accounts are FDIC insured.
Pick your plan.
Pick an account that fits your objectives and budget.
Make on-time monthly payments to build positive credit history.
Free FICO score monthly to track your progress.
Cancel anytime for free or build your length of credit history.
Build up to 60 months of payment history.
CS Max accounts can positively impact factors that determine 90% of your FICO Score
Who is CS Max for?
CS Max accounts are not for everyone. They are built for those who have cash, but need credit.
- You want to apply for a larger personal loan
- You want to apply for credit cards with higher credit limits
- You want to maximize your credit profile and not just your score
- You are a sole prop business owner without an EIN and want to build personal credit for business purposes using your SSN
- You plan to apply for a home loan soon and are concerned about your DTI ratio (Debt to Income)
- You have a limited budget and cannot consistently make an on-time monthly payment of $49 or more
- You want to maximize building your savings while you build credit
How will CS Max help me?
CS Max accounts can help accountholders who want to demonstrate their ability to reliably repay larger credit obligations with higher fixed monthly payments.
Learn moreCS Max can help you build high dollar installment credit and demonstrate to lenders your ability to consistently make large on-time payments over the term of a loan. CS Max accounts let you pick the monthly payment and credit amount that’s right for you. On-time payments, the amount of credit, and the length of credit history are 3 key components that impact 80% of your FICO Score.
Go BackWorks great with other products.
Your credit mix matters – having a diverse blend of credit accounts builds your profile. Adding a Revolv account to CS Max can enhance your credit mix.
Learn moreYour credit mix matters – having a diverse blend of credit accounts builds your profile. Adding a Revolv account to CS Max can enhance your credit mix. Credit mix is the number and type of accounts (installment or revolving) on your credit profile and impacts 10% of your FICO Score. You should have a mix of revolving and installment accounts to optimize your profile.
Go Back$ 49/mo
- $2,500 Installment Account Reported
- Demonstrate repayment on larger credit obligations
- Supercharge your personal credit for business purposes
- Build up to 60 months of payment history
- Cancel any time with no penalty
$ 99/mo
- $5,000 Installment Account Reported
- Demonstrate repayment on larger credit obligations
- Supercharge your personal credit for business purposes
- Build up to 60 months of payment history
- Cancel any time with no penalty
$ 199/mo
- $10,000 Installment Account Reported
- Demonstrate repayment on larger credit obligations
- Supercharge your personal credit for business purposes
- Build up to 60 months of payment history
- Cancel any time with no penalty
$ 449/mo
- $25,000 Installment Account Reported
- Demonstrate repayment on larger credit obligations
- Supercharge your personal credit for business purposes
- Build up to 60 months of payment history
- Cancel any time with no penalty
Your credit profile and your associated credit score are uniquely you. How quickly your credit profile improves and the impact on the score will vary, but the best thing you can do is make on-time payments and keep building your profile.
Occasionally, adding a new line of credit to your credit profile will cause a slight temporary dip in your credit score because it may reduce the overall age of your credit history. In this case, it’s typical for your credit score to quickly rebound and increase with on-time payment history for the CreditStrong account loan.
You may cancel or close your CreditStrong account at any time with no prepayment or early termination fee. Please note that any payments received more than 30 days late will be reported as ‘late’ to the credit bureaus.
When canceling or closing your account you should be aware that payment history is the most important factor for your FICO credit score and by closing your account early you will reduce the number of payments reported to the credit bureaus, potentially reducing the positive impact of the CreditStrong Account loan on your credit score.