“One month. Up 29 points!”
“My credit score has gone up 91 points since I started 3 months ago!”
“Pushing 700 now. This program is awesome!”

CreditStrong and OpenSky Work Together: There’s even more you can do to build your credit! By adding a CreditStrong installment Credit Builder Account to your existing OpenSky Secured Visa revolving credit, you can build a healthier credit profile faster.

Revolving and installment credit work as a team to increase your credit mix and payment history. The more available credit you have, and the more payments you make on time, the stronger your credit will be.

How to Get Started with CreditStrong

Apply in minutes. We instantly give you a bank loan and place the funds in a FDIC insured savings account in your name. Funds are locked to secure the loan.

Make small monthly loan payments. As a bank, we report your payments to the three major credit bureaus, building your credit history each month.

Track your progress. We provide a monthly FICO® Score 8 for free, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.

Unlock savings. When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.

Find your perfect plan

No matter where you start, you can reach your goals.

“I use this service and love it, it really does work. My FICO Score has gone up 38 points in just a couple of months. Would recommend to anyone needing to build credit.”

“Credit Strong is phenomenal! Having this tradeline gave me the extra boost I needed.”
“Thank you Credit Strong! Thanks to you I was able to be approved for a brand new car.”
“You guys helped me buy a house. I had a 394 when I started. 18 months later I have a 725!”
Credit Strong is a division of Austin Capital Bank