Credit Builders — Mobile
Credit Builders

Build Credit Faster & Together

Credit repair is a mutual partnership. We remove as many negatives as possible—your role is to build positive history with credit builders and consistent on-time payments.

#1 Pick: Kikoff. Affordable, straightforward, quick to report. Use it alongside other options below for stronger outcomes.

Recommended Credit Builders

Each section includes a short bio, how it works, price, and a typical timeline. Kikoff is our top recommendation.

Kikoff

Revolving Tradeline

Kikoff #1 Recommended

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

How it works Kikoff opens a revolving tradeline; monthly reporting.
Price Plans commonly start around ~$5/mo (confirm on site).
Timeline Many see early positive reporting within the first month of on-time payments.
Sign up at Kikoff
Tomo

Charge Card (No APR)

Tomo Credit

No-credit-history card that links to your bank account and reports activity to the bureaus 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 typically begins after account setup and initial cycles.
Apply at Tomo
Petal

Credit Card

Petal Card

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

How it works Apply once; Petal matches you to an eligible card and reports monthly.
Price Fees/APR vary by card—confirm on the site.
Timeline Best results with low utilization and consistent on-time payments.
Apply at Petal
Grow Credit

Subscriptions Tradeline

Grow Credit

Use a virtual card to pay eligible subscriptions (streaming, phone, etc.). 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 (confirm on site).
Timeline Gradual improvement with steady on-time subscription payments.
Join Grow Credit
Boom

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 proof; current & past rent reported.
Price One-time + annual options—confirm on site.
Timeline Past rent can post quickly; ongoing monthly reporting afterward.
Report Rent with Boom
Self

Installment / Savings

Self (formerly Self Lender)

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

How it works Monthly payments → reported; funds released at term end.
Price Multiple plans—confirm on site.
Timeline Gradual improvement over 12–24 months with on-time history.
Start with Self
cred.ai

Smart Card (Debit-Like)

cred.ai

“Debit-replacement” credit card that avoids interest and reports activity—built to help you build history 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

Connect your bank; Extra gives you a “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 Plans vary—confirm on site.
Timeline Monthly reporting to help build payment history.
Apply at Extra
Credit Strong

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.
Apply at Credit Strong

Practical Tips for Faster Results

• Turn on autopay. • Keep utilization low on revolving lines. • Combine rent reporting + one installment builder + one or two spend-based tools. • Don’t open too many new accounts at once. • Check your reports monthly and track steady gains.

Heads-up: Pricing, features, and reporting policies can change. Always confirm current terms on each provider’s website before applying.

Meta Fiscal — Newsletter & Resources (Mobile Extract)

Explore Guides & Tools

Credit Builders

Build positive history the right way with vetted options that fit your profile.

Read more →

Credit Monitoring

Stay ahead with consistent monitoring and real-time alerts from trusted providers.

Read more →

Credit Factors

Understand what truly drives your score—payment history, utilization, and more.

Read more →

What Not to Do

Avoid the most common mistakes that can undo months of progress.

Read more →

Is Meta Fiscal Right for You?

We’re selective for a reason—see if our approach matches your goals and timeline.

Read more →
See more resources →
Redirecting desktop users…

If you are on desktop and not redirected, click here.