Best Credit Improvement Tools (2020)

Best Credit Improvement Tools of 2020

We analyzed 41 companies to bring you the top 5 credit-boosting tools below.  You don't have to wait months or years for credit improvement.  The tools below can improve your score *50 to 100 points fast.

Our top 5, fast working, credit score boosters. 

Advertiser Disclaimer - Some links on this page may pay us advertising fees.

Updated: September 25, 2020

Best Credit Improvement Tools 2020

As Seen In:

As Featured In Forbes
As Featured in Debt

As Seen In:

As Featured In Forbes
As Featured in Debt

OUR TOP CHOICE

lexington law logo

4.6

(10,649 Reviews)

How It Works


How it Works:

Late payments and charge offs kill your credit score.  Build your credit by letting Lexington Law remove negative items from your credit report.


Easy Steps to Start:

1.

Free Consultation

Free comprehensive credit report and thorough consultation

2. 

Lexington Goes to Work

Lexington works with your creditors and credit bureuas to verify and remove items, and offers personalized credit score coaching.

3. 

Watch Your Score Grow

Track your progress through Lexington's secure website and mobile app.


What We Like:

  • Personalized credit score consulting
  • Hundreds of thousands of customers 
  • 10,649 Reviews on Google - 4.6 Stars
  • Credit Boost Speed: 30-60 Days
  • Potential Credit Impact: *50 To 100+ Points
  • Cost of Consultation: $0

Our top pick for 

No Credit or Few Credit Lines

#2

tradeline supply logo

4.6

(59 Reviews)

How It Works


The Strategy: 

Become an "authorized user" on an already existing and established credit card account (aka tradeline) with a solid payment history.  You don't do this to use the credit card.  Instead, the idea is to "inherit" the account's payment history into your credit file.   


How It Works:

1.

Search the Inventory

Choose from dozens of established credit cards from Chase, Discover, Barclays, etc, all verified by the owners' Credit Sesame accounts.

2. 

Buy a Tradeline

Verify your identity (Photo ID and SSN) and submit payment 100% online.

3. 

Owner Adds You As a User

Tradeline Supply Co guarantees the new tradeline history will post to your credit report during the next reporting period.


What We Like:

  • Choose from Barclays, Capital One, Chase cards and more
  • 59 Reviews on Google - 4.6 Stars
  • Tested by Mark and Chris from Credit Knocks - See results!
  • Speed: 30-60 Days
  • Estimated Credit Impact: 40 To 100** Points
  • Cost To Start: Starting at $150.00

“I purchased a tradeline because I had a very new credit history – about 4 months. It hit my account in less than 20 days and boosted my score over 100 points. I was LITERALLY ASTONISHED. Thanks guys! Highly recommend!”  Joel Adrian Harris

Our top pick for

Establishing Your Credit

#3


Credit Solution:  Secured Credit Card

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

Our top pick for 

Fast Credit Improvement and Low Cost

#4


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

#5


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

* All score improvements are estimates and will vary by individual.  We recently ran a nationwide survey on professional credit repair.  48% of respondents who stuck with their credit repair company for at least 6 months saw a 100+ point credit score increase.  See study.

** Our official stance is not to buy a tradeline as a credit improvement tool.  But we can say our experience with tradelines.  Mark added authorized user tradelines to his credit as part of his well-documented Journey to a 700 credit score.  He attributes 50-100 points to the authorized user strategy.  Chris started out with a much higher credit score, but got added to a long established Southwest Airlines card and saw his score boost 30 points.  Lastly, we ran a nationwide study on the effect of being added as an authorized user to card and found good statistical proof that it makes a positive impact on credit score.