Personal Business


Build credit fast without a credit card

Average credit score increase of

+62 points!1

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

Revolv lowers your credit utilization

Credit Utilization contributes 30% of your FICO® score. CreditStrong impacts 90% of your
FICO® Score.

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


Fastest way to improve credit


Point IncreaseAverage FICO Score Increase1
  • Quickly build $1,000 of revolving credit
  • Designed to lower utilization ASAP — the fastest way to boost
  • Just $99 a year
  • Set it and forget it — no monthly payments required. Add an optional monthly savings payment at any time to get the most out of Revolv

Revolv + Savings

Fastest way to improve credit & build savings

Add a monthly payment to unlock all the benefits of Revolv

  • Adding an optional monthly payment boosts Revolv by adding payment history, optimizing utilization, and can unlock higher limits
  • 100% of every monthly payment goes directly to building your savings
  • Make three on-time payments in a row and we’ll bump up your Revolv account’s limit — unlock all credit bumps and build up to $3,000 in revolving credit

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

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

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

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.