​best companies for long-term ​score increase

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Gotcha!  You already have a decent amount of credit but want to improve your credit score​ with a steady plan of attack. Your two critical goals should be to 1) dilute any negatives in your credit report by adding positive payment history and 2) establish new, positive lines of credit that can help build up your solid payment history.  If you rent, your #1 company will be Rent Reporters since it will report your positive payments to the credit bureaus as far back as 24 months, adding 2 years of payments to your credit file.  Tradeline Supply Co will also add a solid payment history to your file.  Both of these work incredibly fast.  After that, you should move to our other low cost credit building tools if you have time.   ​

Our top picks for 

​Adding Positive Payment History

#1


​Credit Solution:  ​Rent Reporting

​How it works in 60 seconds

  • Speed: 30 - 60 Days
  • Estimated Credit Impact: ​20 To 40* Points
  • Cost To Start: $10.00

#2


​Credit Solution:  ​Authorized User Tradeline

  • Speed: 30 Days
  • Estimated Credit Impact: ​40 To 100* Points
  • Cost To Start: $150.00

Our top picks for 

​Low Cost Credit ​Building

#1


​Credit Solution:​ Merchandise Account

​Quick video on how it works

  • Speed: 30 Days
  • Estimated Credit Impact: ​20 To 40* Points
  • Cost To Start: $0 ​

#2


​Credit Solution:  ​Credit Builder Loan

​How it works in 60 seconds

  • Speed: 60 Days
  • Estimated Credit Impact: ​15 To 30* Points
  • Cost To Start: ​Under $8.00 

​Additional top picks for 

Increasing Your Credit Score

#4


​Credit Solution:  Secured Credit Card

  • Speed: 30 Days
  • Estimated Credit Impact: ​20 To 50* Points
  • Cost To Start: $200 Deposit

* 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.