​best companies for long-term ​score increase

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Gotcha!  You don't have much credit limit yet and want to improve your credit score with a steady plan of attack.  Your #1 goal should be to increase your revolving credit.  You're in an excellent situation because out 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 pick for 

Increasing Your Credit Limit Fast


​Credit Solution:​ Merchandise Account

​Quick video on how it works

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

Our top pick for 

​Low Cost Credit ​Building


​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


​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


​Credit Solution:  Secured Credit Card

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


​Credit Solution:  ​Authorized User Tradeline

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

* 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.