Build credit fast
without a
credit card

No credit? Bad credit? No minimum credit score required & no credit check.

Average credit score increase of

+62 points!1

The fastest way to
improve your credit score?
Lower your credit

Revolv is your proven quick credit bump
that can also supercharge your savings.

Credit Utilization contributes 30% of your FICO® score. CreditStrong impacts 90% of your
FICO® Score. Get better credit with the
best plan for you

Credit building and security

only a real bank can provide.

CreditStrong is part of a FDIC-insured bank,
ensuring your money and personal
information are safe and secured up to

Get Started

Real People.
Real Results.

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

Tim K.

“My score went up 65 points
within 30 days.”

Khalid E.

We increase your credit score FAST by lowering your credit utilization

Credit utilization is your account balance divided by your credit limit. It is typically calculated as the percentage (%) of your credit limit you are using on the statement date of your account.


Plan Options


Larger Accounts
Larger Impact

While most credit builder accounts build small amounts of credit topping out at $1,000 max – Revolv starts by reporting a $1,000 credit account that can be increased up to $3,000 with on-time savings payments.

Revolv + Savings

Want to supercharge your credit AND build savings?

  • Add an optional monthly savings payment to build payment history​.
  • Payment history determines 35% of your FICO credit score​
  • 100% of every monthly savings payment builds your savings and payment history
  • Set your monthly savings payment to the amount you want to save, change it monthly, or turn it off at any time
  • Added Bonus: Make three on-time savings payments in a row, and we’ll increase the amount of credit reported!

No Credit?
Bad Credit?

No Problem

Whether you’re just starting your credit journey or in the process of repairing and rebuilding your credit, we’re here for you.

Report 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

You can
cancel anytime

You can cancel anytime 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

We don’t hide
the small print.
proud of it. 

1  Average FICO® Score 8 increase for Revolv account holders with a starting credit score under 550 who opened account in Q1 2023 and made at least 3 on-time payments between $15 and $45. 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.