Increase Your Credit Score Fast!

You need to improve your credit score fast and have a poor payment history.  The smartest thing you can do is get professional help removing negative items from your credit report.  We've analyzed over 41 companies to bring you our #1 recommended credit repair company and our top credit-building tools.

We analyzed over 41 companies to bring you our top credit-building tools.

Updated: Feb 10, 2020

Best Credit Improvement Tools 2020

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credit saint logo


(114 Google Reviews)

How It Works

How it Works:

Fix your damaged credit with professional credit repair services.  Credit Saint is our #1 recommended company.

Easy Steps to Start:


Get Started for Free

No charge for 6 days


Only $79 per month

Initial set-up costs $99 then just $79 per month thereafter


Guaranteed results!

Grow your credit or get your money back within 90 days guaranteed!

What We Like:

  • Guarantee
  • Thousands of happy customers 
  • Couples discount
  • Estimated Credit Impact: *75 to 150 Points

Our top picks for 

Adding Positive Payment History


tradeline supply logo


​Credit Solution:  ​Authorized User Tradeline

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

More Great, Fast-Working Tools


fingerhut logo


​Credit Solution:​ Merchandise Account

​Quick video on how it works

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


self lender logo


​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 


rent reporters logo


​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


opensky company logo


​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.   In the case of Sky Blue Credit Repair, we recently performed a study at Credit Knocks that showed 48% of clients who stayed with their credit repair companies for 6 months got a credit score increase of 100+ points.