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Best Credit Improvement Tools (2019)

We analyzed 41 companies to bring you the top 5 credit-boosting tools below.  You don't need to spend hundreds per month to hire a credit repair company.  The tools below can improve your score *50 to 100 points fast.

Updated: Aug 8, 2019

OUR TOP CHOICE

fingerhut logo

9.8

(52,462 Reviews)

How It Works


How it Works:

Build your credit by shopping in Fingerhut's online store, similar to how you use Amazon.


Easy Steps to Start:

1.

Apply for Fingerhut Credit

Free to apply

2. 

Shop from Fingerhut Store

Over 450,000 products from brands like Dyson, Sketchers, and Samsung

3. 

Make On-Time Payments

Grow your credit while making payments as low as $7.99 per month


What We Like:

  • Founded in 1948 and owned by Macy's
  • Millions of customers 
  • 34,478 5-Star Reviews on Trust Pilot
  • Credit Boost Speed: 30 Days
  • Estimated Credit Impact: *20 To 40 Points
  • ​Cost To Start: $0 ​

Our top pick for 

Fast Credit Improvement and Low Cost

#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 

Our top pick for 

Rent Payers

#3


​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

Our top pick for

Investing a Bit In Your Credit

#4


​Credit Solution:  Secured Credit Card

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

Our top pick for 

No Credit, Few Credit Lines, or Low Limits

#5


​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.