Credit Builders — Meta Fiscal (Desktop)
Credit Builders

Build credit faster—together.

We remove negatives with precision while you add positive history with the right builders and on-time payments. Stacking rent reporting, an installment builder, and a responsible revolving line accelerates results.

Revolving Tradeline

Kikoff — #1 Recommended

Low-cost revolving tradeline used within Kikoff. On-time payments are reported to all three bureaus to strengthen payment history.

How it works Opens a revolving tradeline and reports monthly to Equifax, Experian, and TransUnion.
Price Plans commonly start around ~$5/mo (confirm on site).
Timeline Many see positive reporting within the first month of on-time payments.
Tip Pair with rent reporting + one installment builder for faster progress.
Sign up at Kikoff

Charge Card (No APR)

Tomo Credit

No-credit-history card that links to your bank and reports activity without a hard inquiry.

How it works Cash-flow underwriting via bank link; autopay; monthly reporting.
Price $0 interest; check site for any plan or service fees.
Timeline Reporting begins after account setup and initial cycles.
Tip Keep spends modest to maintain a clean payment cadence.
Apply at Tomo

Credit Card

Petal Card

Designed for limited credit history. Uses alternative underwriting; reports monthly; some cards include cashback with minimal fees.

How it works One application; Petal matches you to an eligible card and reports monthly.
Price Fees/APR vary by card—confirm on site.
Timeline Gains come with low utilization and on-time payments.
Tip Keep per-card utilization in single digits for best scores.
Apply at Petal

Subscriptions Tradeline

Grow Credit

Use a virtual card to pay eligible subscriptions. Those payments are reported monthly as a tradeline.

How it works Pay subscriptions with the Grow card; monthly reporting to bureaus.
Price Free & paid plans available (e.g., paid ~ $96/yr).
Timeline Gradual improvement with steady on-time subscription payments.
Tip Route a couple of small, always-on services to it and set autopay.
Join Grow Credit

Rent Reporting

Boom (BoomReport)

Add on-time rent to your credit history—including up to 24 months of past rent—reported to all three bureaus.

How it works Provide lease + bank verification; current & back-reported rent posted.
Cost Low annual fee + optional one-time back-report fee.
Timeline Past rent can post quickly; ongoing monthly reporting thereafter.
Tip Back-reporting can provide an early lift without new debt.
Report Rent with Boom

Installment / Savings

Self (formerly Self Lender)

Pay a small, fixed amount monthly into a locked account for a set term; payments are reported and funds are released (minus interest/fees) at the end.

How it works Monthly payments → reported; funds released at term end.
Price Multiple plans (e.g., ~$35–$48/mo)—confirm on site.
Timeline Gradual improvement over 12–24 months with on-time history.
Tip Turn on autopay day-one to avoid accidental lates.
Start with Self

Smart Card (Debit-like)

cred.ai

A “debit-replacement” credit card with automation to prevent interest and report activity—designed to help build history responsibly.

How it works Links to checking; automates repayment; reports monthly.
Price $0 fees/interest per site (confirm at signup).
Timeline Ongoing gains with consistent, responsible usage.
Tip Treat like a debit card—keep daily spend small and steady.
Get cred.ai

Debit that Builds Credit

Extra

Connect your bank; Extra gives you “Spend Power” and reports your purchases monthly. No interest or credit check; optional rewards.

How it works Purchases auto-settle from your bank; monthly reporting.
Price Credit-building plan commonly ~$149/yr (check site).
Timeline Monthly reporting to build payment history.
Tip Keep utilization low by spreading spends across the month.
Apply at Extra

Installment (Large Tradeline)

Credit Strong — Magnum

A larger installment credit-builder account intended to add a sizable tradeline and long on-time history to your file.

How it works Open a Magnum plan; make monthly payments reported to bureaus.
Price Payment varies by plan and term—confirm on site.
Timeline Designed to influence payment history, age, and mix over time.
Tip Choose a payment you can automate comfortably for 12–24 months.
Apply at Credit Strong

Practical tips for faster results

• Enroll autopay everywhere • Keep overall & per-card utilization under 30% (single digits ideal) • Stack rent reporting + one installment builder + one or two spend-based tools • Avoid opening many accounts at once • Monitor monthly and let wins compound.

Ready to add positive history?

Pair Meta Fiscal’s hands-on guidance with the right builders and continuous monitoring.

See Monitoring Options Get Started
Credit Builders — Meta Fiscal (Desktop)

Recommended Credit Builders

Each section includes a short bio, how it works, price, and a typical timeline.

Kikoff
Revolving Tradeline

Kikoff

Low-cost tradeline used within Kikoff. On-time payments are reported monthly to help strengthen payment history and overall profile.

How it works
Opens a revolving tradeline; monthly reporting.
Price
Common entry plans are low-cost (confirm on site).
Timeline
Many see early reporting within the first month of on-time payments.
Sign up at Kikoff
Tomo
Charge Card (No APR)

Tomo Credit

Links to your bank account and reports activity monthly; designed for those building history without a hard inquiry.

How it works
Cash-flow underwriting; autopay; monthly reporting.
Price
$0 interest; check site for any plan or service fees.
Timeline
Ongoing reporting with consistent, responsible usage.
Get Tomo
Petal
Credit Card

Petal

Modern credit card that considers banking history and reports monthly to help establish responsible use over time.

How it works
Links to bank data; standard card usage; monthly reporting.
Price
Terms vary by card—confirm on site.
Timeline
Ongoing gains with consistent on-time payments and low utilization.
Apply for Petal
Grow Credit
Subscriptions Builder

Grow Credit

Helps build history by routing select subscription payments through a small credit line that reports monthly.

How it works
Approved subscriptions flow through Grow; monthly reporting.
Price
Free and paid tiers—confirm on site.
Timeline
Reporting generally begins after first successful billing cycles.
Start with Grow Credit
Boom
Rent Reporting

Boom

Reports your past and/or ongoing rent payments to help strengthen payment history.

How it works
Connects to rent payments; retro and ongoing reporting options.
Price
One-time and monthly options—confirm on site.
Timeline
Retro reporting can add history quickly; ongoing reports each month.
Report Rent with Boom
Self
Installment Builder

Self

Credit-builder account designed to add an installment tradeline with monthly reporting.

How it works
You make monthly payments; account reports like an installment loan.
Price
Plan costs vary—confirm on site.
Timeline
Reports monthly; positive impact with consistent on-time payments.
Start with Self
cred.ai
Smart Card (Debit-Like)

cred.ai

A “debit-replacement” style card that avoids interest and reports activity—built to help you build responsibly.

How it works
Links to checking; automates repayment; monthly reporting.
Price
$0 fees/interest per site (confirm during signup).
Timeline
Ongoing gains with consistent, responsible usage.
Get cred.ai
Extra
Debit that Builds Credit

Extra

Connects to your bank; purchases settle automatically and are reported monthly to help build history.

How it works
“Spend Power” from your bank link; monthly reporting.
Price
Plans vary—commonly annual; confirm on site.
Timeline
Reports each month with ongoing usage.
Get Extra
Credit Strong
Installment Builder (Bank)

Credit Strong

Installment-style builder from a bank partner; adds a tradeline and reports monthly.

How it works
Locked savings + monthly payments; reports like an installment account.
Price
Plan options vary—confirm on site.
Timeline
Monthly reporting; positive results with consistent on-time payments.
Open Credit Strong