Gotcha! You want to improve your credit score, but want a steady plan of attack and have a good payment history. You're in an excellent situation because of all the credit building tools, you can start with the free and low cost tools first, and see if those get you the gains you need. We recommend you start with Fingerhut because it's free to join, will increase your revolving credit limit, and help you grow additional positive payment history, which are tremendous for your credit score. Self Lender is a close #2 since it's super-low cost and is an installment loan (looks like a car loan or personal loan on your credit file), also helps establish more positive payment history, and you get almost all your money back that you put in! The others are great options too if you have time.
Our top picks for
Increasing Your Credit Score for Low Cost
Additional top picks for
Increasing Your Credit Score
* All score improvements are estimates and will vary by individual. The higher estimated credit score number is for someone with a thin credit file that is new to credit or has limited credit. The lower number is someone with a thicker credit file that has bad credit.