Need to Build Credit?
We've Got You Covered.
It can be challenging to build new positive credit when you're starting from scratch. These are the tools we trust and recommend to our clients — vetted, effective, and accessible.
We can also backdate 24 months of rental reporting to boost your scores quickly. Ask your advisor.
Boost Scores Fast
Improvements possible in as little as 30 days
Secured Cards
Build credit with your own money, no risk
Rental Backdating
Backdate 24 months of rental payments
Credit Mix
Diversify your profile with loans & cards
Recommended Credit Building Tools
AltoCredit-vetted partners. These tools are used by our clients to build or rebuild positive credit history.
Credit Builder Card
A secured credit card with no credit check required. Reports to all 3 bureaus. Just a $200 deposit to get started.
- No credit check
- Reports to all 3 bureaus
- $200 security deposit
- Receive card in ~2 weeks
CreditStrong
Build credit and savings at the same time. A credit builder loan that reports positive payment history every month.
- No hard credit pull
- Builds savings + credit
- Reports to all 3 bureaus
- Cancel anytime
Self
Build credit while saving money. Self's credit builder account reports to all 3 bureaus and requires no upfront cash.
- No hard credit inquiry
- Build savings simultaneously
- Reports to Experian, Equifax, TransUnion
- Self Visa® Card upgrade available
Kovo
Build credit by completing online courses. Kovo reports your payment history to all 4 major bureaus including Innovis.
- Reports to all 4 bureaus
- No credit check required
- Small monthly payment
- Learn financial skills
Already working with AltoCredit?
Ask your advisor which tool is the best fit for your current credit profile. We'll walk you through it.
Talk to an Advisor