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.
Recommended Credit Builders (Single Column)
Each section includes a quick bio, how it works, pricing, and a typical time to see results. Kikoff is our top recommendation.
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.
Credit Card
Petal Card
Designed for limited credit history. Uses alternative underwriting and reports monthly; some cards include cashback with minimal fees.
Subscriptions Tradeline
Grow Credit
Use a virtual card to pay eligible subscriptions (streaming, phone, etc.). Those payments are reported monthly as a tradeline.
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.
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.
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.
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.
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.
Practical Tips for Faster Results
• Enroll autopay wherever possible. • Keep utilization low on revolving lines. • Combine rent reporting + one installment builder + one or two spend-based tools. • Avoid opening too many accounts at once. • Monitor your reports monthly and celebrate consistent wins.
Heads-up: Pricing, features, and reporting policies can change. Always confirm current terms on each provider’s website before applying.