11 Finest Credit score Constructing Apps To Enhance Your Rating In 2023


Although it’s only a three-digit quantity, your credit score rating can influence your life in huge methods. The most effective credit score constructing apps will help you enhance your rating.

Lenders will take a look at your credit score rating when deciding whether or not or to not offer you a mortgage. Plus, your credit score rating will affect the mortgage phrases they’re keen to give you. 

If you’re trying to increase your credit score rating, you’re in the suitable place. Listed below are the highest rated credit score constructing apps that can assist you enhance your credit score rating.

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Get Credit score Builder Prime free of charge and begin constructing your credit score.


Construct credit score with a a credit score line as much as $750. No credit score verify required.

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Develop Credit score

Construct credit score out of your month-to-month subscriptions. Free choice out there.

High Credit score Constructing Apps

A credit score constructing app can fast-track your journey to an excellent credit score rating. However with seemingly limitless choices, it may be troublesome to search out the most effective app to your state of affairs. 

So as of their Trustpilot scores, listed here are the most effective credit score constructing apps that may provide help to obtain your credit score objectives. 

1. SeedFi

SeedFi home page

SeedFi provides Credit score Builder Prime, which is a free alternative to construct your credit score. And of the wonderful buyer critiques are any indication, you’ll love the Credit score Builder Prime alternative. 

The app permits you to open a SeedFi saving account and not using a credit score verify. From there, you’ll be able to select what sum of money SeedFi will add to the financial savings account every pay interval. You’ll have to decide to saving at the least $10 each pay interval. 

The following time you receives a commission, you’ll pay SeedFi again. The common funds are reported to all three credit score bureaus, which will help your credit score rating develop. Plus, you’ll construct financial savings over time. SeedFi will unlock your financial savings in $500 increments

What’s actually sudden about SeedFi’s Credit score Builder Prime is that it’s fully free to make use of. That’s proper! There aren’t any rates of interest or charges hooked up.

In response to SeedFi, this program is an funding in your buyer relationship. The corporate truly makes cash by way of their different credit score builder mortgage, the Borrow & Develop plan. 

In the end, a number of choices, elevated flexibility, and a completely free model make SeedFi a fantastic selection if you wish to enhance your credit score


  • Extremely rated by clients
  • Free model


  • Financial savings in $500 increments
  • Excessive charges on some merchandise

Study Extra: SeedFi Evaluation

2. Kikoff

Kikoff home page

Kikoff provides a singular spin for credit score builders. You’ll be able to immediately join a Kikoff credit score account. As soon as accepted, you’ll have a $750 line of credit score

The catch is which you could solely use the road of credit score within the Kikoff retailer. After utilizing the road of credit score, you’ll have to make on-time funds to construct your credit score rating. 

Though you’ll be able to solely use the road of credit score by way of the Kikoff retailer, the saving grace is the dearth of charges. You gained’t run into any administrative charges, annual charges, late charges, or curiosity prices. 

The revolving line of credit score can probably increase your rating. Sadly, Kikoff will solely report your funds to Equifax and Experian. 

With that, you’ll miss out on constructive exercise stories to the third credit score bureau, TransUnion. 


  • Credit score verify not required
  • No curiosity prices or late charges


  • Solely stories to 2 bureaus
  • Month-to-month membership payment
  • Solely out there in Kikoff retailer

Study Extra: Kikoff Evaluation

3. MoneyLion

MoneyLion home page

MoneyLion is one other well-rated credit score constructing app. In response to MoneyLion, their Credit score Builder Plus product has been confirmed to construct credit score. 

Over half of MoneyLion members report an improve of 42+ factors inside 60 days. That’s a giant bounce.

With the Credit score Builder Plus mortgage, you’ll be able to apply and not using a laborious credit score verify. If you’re accepted, you’ll obtain a portion of the funds upfront. The remainder will likely be saved in a Credit score Reserve Account so that you can unlock later. 

MoneyLion’s greatest draw back is the $19.99 month-to-month membership payment. Whereas constructing credit score is a priceless cash transfer, you won’t have the cash in your finances for this additional expense. 


  • No laborious credit score inquiry
  • Obtain a portion of the mortgage upfront


  • $19.99 month-to-month payment
  • Obtain partial mortgage upfront

4. Develop Credit score

Grow Credit home page

Develop Credit score provides a credit-building alternative based mostly in your month-to-month subscriptions. As a Develop Credit score buyer, you’ll obtain a Mastercard that you should use to pay to your subscription companies. 

There are over 100 out there subscriptions so as to add. Just a few widespread ones embody Netflix, Hulu, Disney+, Amazon Prime, and extra. 

As soon as it’s arrange, Develop Credit score will report the funds you make in your subscription companies to the credit score bureaus. 

You’ll be able to benefit from this service free of charge. Plus, you’ll run right into a month-to-month spending restrict of $17. 

Should you determine to improve your account, you’ll be able to select a month-to-month spending restrict of $50 or $150. That mentioned, you’ll should pay between $1.99 to $7.99 per thirty days. 

Should you already pay for subscription companies, then working with Develop Credit score may provide help to get credit score for these common funds. Nonetheless, you’ll should determine if paying one other month-to-month payment is value it. 


  • Free choice out there
  • Straightforward to arrange

Study Extra: Develop Credit score Evaluation

4. Sable

Sable home page

Sable provides you the chance to construct credit score by way of a secured bank card. Relying in your utilization of the cardboard, you could possibly graduate to an unsecured bank card in as little as 4 months. 

You’ll should put cash down upfront to open the secured bank card. However, when you sustain along with your funds, you’ll obtain your safety deposit again inside a couple of months. 

While you use the cardboard, you’ll be capable to handle the whole expertise immediately out of your cellphone. In contrast to a credit score builder mortgage, this secured card comes with fairly a couple of perks. 

For instance, you’ll be able to earn limitless 2% money again at sure retailers similar to Amazon, Spotify, Netflix, Uber and extra. Plus, you’ll get 1% money again on all different purchases. 

In case you have the funds out there to make a deposit and sustain along with your funds, this might be the suitable app for you. Because it doesn’t cost any month-to-month charges, you’ll be capable to begin constructing credit score and not using a toll in your finances. 


  • No annual payment
  • Earn rewards

5. Credit score Sesame

Credit Sesame home page

Sesame Money, provided by Credit score Sesame, supplies a digital secured bank card. After allocating a specific amount of money to the cardboard, you can begin making purchases. 

The app will report a few of your month-to-month debit purchases to the credit score bureaus to offer a historical past of on-time funds. 

You’ll have to have the funds to make an upfront deposit, which you may get again. Aside from that, Sesame Money is free. 

As an added twist, the corporate will truly pay you as your credit score rating will increase. You’ll earn $100 when you improve your credit score rating by at the least 100 factors in 30 days. 

Sesame Money provides a singular approach to construct your credit score rating, and the motivation of incomes cash for bettering your rating is likely to be simply the motivation you want. 

6. Credit score Sturdy

Credit Strong home page

Credit score Sturdy provides credit score builder loans with all kinds of month-to-month funds. You’ll be able to select a credit score builder mortgage with month-to-month funds that vary from $15 to $110. 

The suite of choices implies that you’ll possible discover a mortgage product that fits your credit score constructing objectives. 

Though there isn’t any choice to obtain any of your mortgage funds upfront, you’ll unlock the whole thing of your financial savings on the finish of the mortgage time period. 

If you’re making an attempt to construct credit score, the vary of choices out there by way of Credit score Sturdy will be engaging. 

The one draw back to Credit score Sturdy is the price. In fact, you’ll pay curiosity on the mortgage, however you’ll additionally should pay a non-refundable administration payment. Mixed, these prices can add up rapidly. 


  • No laborious credit score verify
  • No payment to terminate mortgage early


  • No funds upfront
  • Not out there in WI or VT

7. Self

Self home page

With Self, you’ll be able to take out a credit score builder mortgage that has the potential to spice up your credit score rating. 

As you make funds, Self will retailer your funds in a CD account for you. Alongside the way in which, Self will report your funds to the credit score bureaus. 

Clients who work with Self might should pay an rate of interest round 15% or greater. Plus, there’s a $9 administrative payment required to start out the mortgage. 

On the finish of the mortgage, you’ll stroll away with the financial savings you’ve constructed. Nonetheless, the financial savings gained’t be the sum of your month-to-month cost. You’ll should issue within the curiosity funds that Self hangs onto. 

For some individuals, Self is a helpful choice. That mentioned, you’ll want to think about the general prices of the mortgage earlier than leaping in. 


  • No laborious credit score inquiry
  • Cancel anytime
Extra home page

The Further debit card permits you to construct credit¹ by spending the funds in your checking account. After signing up, Further gives you a spending restrict decided by your financial institution steadiness. 

Word: ¹All transaction and account exercise is topic to evaluation and approval by each Further and the Issuing Financial institution. See Further Phrases and Situations for extra particulars.

As you make purchases, Further will present the funds and mechanically withdraw cost out of your checking account the subsequent enterprise day. 

On the finish of every month, Further will report your transactions to Equifax and Experian. Sadly, Further doesn’t report back to TransUnion. 

Fortunately, it’s very handy to make use of Further since you gained’t have to maneuver financial institution accounts. As an alternative, you’ll be able to join one of many 10,000+ supported banks².


  • No credit score verify
  • Earn 1% rewards on spending


  • Solely stories to 2 bureaus
  • Rewards redeemed solely with Further

10. Sequin Card

Sequin Card home page

Final however not least is the Sequin Card. This debit card is particularly designed to assist ladies construct credit score utilizing debit card purchases. 

Just like the Further debit card, the Sequin Card connects to your checking account. As you make purchases, Sequin will spot you the funds to your transactions and withdraw the precise quantity out of your checking account that day. 

On the finish of every month, Sequin will report the sum of your transactions to Experian. Since Sequin doesn’t report back to Equifax or TransUnion, that might be a dealbreaker for some. 

Nonetheless, due to its means to construct credit score utilizing your debit card purchases and no month-to-month payment, the Sequin Card has lots to supply.


  • No month-to-month payment
  • No curiosity


  • Solely out there in 36 states
  • Upfront deposit required
  • Solely stories to Experian

11. Cheese

Cheese credit building app home

Do you wish to make your credit score rating higher? Should you do, you’ll be able to attempt utilizing the Cheese credit score constructing app. It helps people who find themselves new to credit score or have had credit score issues earlier than.

One advantage of utilizing the Cheese app is that it will possibly provide help to begin an excellent credit score historical past. You should use the app to purchase small issues and pay them again on time. It will make your credit score rating higher. In time, you may be capable to get higher loans, bank cards, and different monetary issues.

One other advantage of utilizing the Cheese app is that it helps you handle your cash. You should use it to see how a lot you spend, arrange reminders for payments, and verify your credit score rating. It will provide help to keep away from late funds that may make your credit score rating worse.

Total, if you would like a greater credit score rating, the Cheese app will help. Use it typically and pay your payments on time. It will provide help to handle your cash and have a greater monetary future.


  • Straightforward to make use of
  • Construct credit score by saving


  • Solely out there in 43 states
  • Requires having a checking account

Steadily Requested Questions

Earlier than signing up for a credit score constructing app, it may be a good suggestion to grasp precisely what they’re and why their means that can assist you along with your credit score will be helpful

What’s a credit score historical past?

Your credit score historical past is a long-term file of your credit score administration. You’ll discover details about your entire present credit score accounts plus many out of your previous.
A great credit score historical past will present a stable file of constant on-time funds of your money owed. A credit score historical past with missed funds gained’t look as promising to a lender. 

In the end, the knowledge in your credit score historical past will likely be used to find out your credit score rating. 

Why is constructing good credit score vital?

With an excellent credit score rating, lenders are keen to supply higher rates of interest. This might result in hundreds of {dollars} in financial savings if you find yourself financing massive purchases. 

In a nutshell, good credit score can unlock a brighter monetary future with entry to extra inexpensive financing. 

When are credit score builder apps a good suggestion?

A credit score builder app could be a helpful monetary software for these with adverse credit or no credit score. If you wish to construct your credit score in a gradual and managed means, credit score builder apps could be a nice concept for you. 

With loads of choices on the market, you could find a credit score builder app that works to your finances and your credit score constructing objectives. 

Credit score Constructing App Comparability Desk

Firm Trustpilot
SeedFi 4.8
MoneyLion 4.7
Cheese 3.6
Sable 3.3
Credit score Sesame 3.3
Develop Credit score 2.2
Credit score Sturdy 2.8
Self 2.8
Kikoff 3.3
Further 2.7
Sequin Card N/A


The suitable credit score constructing app for you’ll range based mostly in your distinctive state of affairs. 

You may need the funds to make a deposit on a secured card. Or, you may determine {that a} small month-to-month cost matches into your monetary image higher.

Alternately, it’s your decision a approach to get credit score for purchases you’re already making. 

After exploring your credit score wants, the suitable app for it’s best to bounce out extra simply. No matter which choice you select, you’ll be on the highway to bettering your credit score very quickly.


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