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“One month. Up 29 points!”
Kymari – March 2020
“My credit score has gone up 91 points since I started 3 months ago!”
Leathaniel – April 2020
“Pushing 700 now. This program is awesome!”
Sharell – April 2020

Two Banks Are Better Than One: When you combine OpenSky® and CreditStrong, you’ve got the power of two banks working for you to build your credit.

Adding an OpenSky® Secured Credit CardCreditStrong Credit Builder Account to your existing OpenSky® Secured Credit Card will provide you both term-style and revolving credit with all three major credit bureaus to build your profile even faster.

How does CreditStrong Differ from OpenSky®?

Revolving credit history (like an OpenSky® Secured Credit Card) your shows creditors that you can manage your expenses and keep your spending aligned with your budget. Term credit history shows creditors that you can manage predictable payments for a set period of time, meeting your obligations even as things change in your life.

CreditStrong offers a variety of  Credit Builder Accounts designed to fit your credit building needs. Build term credit history for as little as $15/mo.

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.”

Pedro – April 2020
“Credit Strong is phenomenal! Having this tradeline gave me the extra boost I needed.”
Joseph March 2020
“Thank you Credit Strong! Thanks to you I was able to be approved for a brand new car.”
Jesse March 2020
“You guys helped me buy a house. I had a 394 when I started. 18 months later I have a 725!”
Christian April 2020
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Credit Strong is a division of Austin Capital Bank