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: Oct 10, 2019

OUR TOP CHOICE

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:

Apply for Fingerhut Credit

Free to apply

Shop from Fingerhut Store

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

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

GET STARTED

Read Our Review

Our top pick for

Fast Credit Improvement and Low Cost

9.7

GET STARTED

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

Read Our Review

Our top pick for

Rent Payers

9.6

GET STARTED

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

Read Our Review

Our top pick for

Investing a Bit In Your Credit

9.5

GET STARTED

Credit Solution: Secured Credit Card

Read Our Detailed Review

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

9.4

GET STARTED

Credit Solution: Authorized User Tradeline

Read Our Detailed Review

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.

Advertiser Disclaimer

Credit Knocks, LLC doing business as Credit Knocks is an independent, advertising-supported, information and review service. Some of the offers that appear on this site are from companies from which Credit Knocks receives compensation. All financial products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions.

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