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View Your Free FICO Score for all 3 Credit Bureaus

There are lots of free credit scores floating around, but most of them are not the true FICO® score that lenders subscribe to and use as part of their decision.

However FICO® is working to change that by allowing banks and credit unions to give you free ongoing access to the real score they use to make lending decisions as long as you are an account holder.

One of the easiest ways for anyone to get their free FICO® score is via the Discover Credit Scorecard. You do not need to be a customer of Discover – anyone can register and get their official FICO® score for free. The data is from the Experian credit bureau. You can also get a free Experian FICO® 8 score by signing up directly with Experian.

To find out where to get your FICO® score from the other credit bureaus, read on.

Every bank chooses at least one of three credit bureaus to calculate a FICO® score: Equifax, Experian, and TransUnion. The FICO® score one bank uses can be different than another depending on which credit bureau they pulled a report from.

You may be able to get a free FICO® score from your credit card issuer or bank. Financial institutions belonging to the FICO Score Open Access Program offer this service. Visit this page for a list of participating banks. FICO® itself charges monthly for you to see your scores ($19.95, $29.95 or $39.95, depending on which plan you go with) — though they also throw in full copies of your credit reports, which the free bank scores do not.

Be aware that FICO rolled out the FICO Score 10 Suite in the beginning of 2020. This includes FICO Score 10 and FICO Score 10 T — the latter of which looks at trended data for a historical view of a consumer’s behavior. Under FICO Score 10, credit card debt will have a bigger impact than it used to, so it’s more important than ever to keep your utilization ratio less than 30%.

Here’s where to find your real, free FICO® scores from banks or credit unions anyone can join:

Equifax Scores

Citibank

  • Available with: Any Citibank branded credit card. This does not include Citibank cards with other brands like the American AAdvantage or Hilton HHonors cards.
  • Score updated: Monthly
  • Where to find it: On your online account or the Citi app
  • Learn more

DCU Credit Union

  • Available with: Any credit card, or a checking account with direct deposit
  • Score updated: Monthly
  • Where to find it: Look for an invitation in your online account
  • Learn more

Huntington Bank

  • Available with: The Huntington Voice credit card – you will get a FICO® Bankcard Score 2 from Equifax
  • Where to find it: Log into your account and you’ll see a link

PenFed

    • Available with: PenFed members with active checking accounts, installment loans, and revolving lines of credit
    • Score updated: When PenFed refreshes – no set schedule
    • Where to find it: Login to your account and click ‘Your FICO® Score is Ready’
    • Notes: PenFed uses a more advanced ‘Next Gen’ FICO® score that has a different scale than traditional FICO® scores, with 150 as the lowest score and 950 as the highest score. Most banks use a score with a scale of 300 to 850. Because of this the score you see on PenFed’s site may be higher or lower than what you see from others.

State Employees Credit Union of North Carolina

  • Available to all credit card holders

Experian Scores

Capital One and American Express regularly use Experian’s FICO® among others for credit decisions.

American Express

  • Available with: Any American Express credit card
  • Score updated: Monthly
  • Where to find it: On your online account

Discover

  • Available with: All Discover cards and if you are not a Discover cardholder, you can sign up to get your FICO® score for free by visiting creditscorecard.com.
  • Score updated: Monthly
  • Where to find it: On your statement and online

First National Bank of Omaha

  • Available with: Any credit card account
  • Score updated: Monthly
  • Where to find it: On your online account
  • Learn more

USAA

  • Available with: Any USAA credit card
  • Score updated: Unknown
  • Where to find it: On your online account

Wells Fargo

  • Available with: Any Wells Fargo credit card
  • Score updated: Monthly
  • Where to find it: On your online account
  • Learn more

TransUnion Scores

Bank of America

  • Available with: Select credit card accounts
  • Score updated: Monthly, with history
  • Where to find it: Link available on your account summary page under the ‘Tools and Investing’ section

Barclays

  • Available with: Any credit card account
  • Score updated: Monthly
  • Where to find it: Link available on your account summary page

Unknown Bureau

Other, less open to the public free FICO® providers include:

  • Ally, for auto loan holders.
  • Hyundai and Kia Motor Finance allow customers to view their FICO scores through their online accounts.
  • Sallie Mae offers a free, quarterly TransUnion score if you receive a new Smart Option Student Loan.
  • Merrick Bank doesn’t have open applications for its Platinum Visa, but does offer free scores to its cardholders.
  • Some credit unions with limited membership also offer scores, so check yours to see if it provides them.

Find the Best Credit Score for Your Needs:

The credit score that you are looking for varies, depending on what type of credit you are looking to apply for. Each credit score version has different benefits, and lenders pull certain scores in accordance with your application.

Credit Score Monitoring

The best options: All VantageScores and FICO® scores

If you’re simply looking to monitor your credit score and stay on top of your credit, either VantageScore or FICO® score will suffice.

New Credit Card

The best options: FICO® Bankcard Scores or FICO® Score 8 primarily; FICO® Score 3

Where to get them: Get your FICO® Score 8 from Credit Scorecard by Discover or freecreditscore.com

When applying for a new credit card, these scores are most likely to be pulled by credit card issuers. Lenders may pull your score from one or all three bureaus.

Mortgage Loans and Mortgage ReFis

The best options: FICO® Scores 2, 4, 5

Where to get them: Myfico.com for $19.95 a month

These scores are used in the majority of mortgage-related credit evaluations, with lenders pulling your score from all three bureaus. However, these scores are not free and can only be purchased at myfico.com.

Auto Loans

The best options: FICO® Auto Scores 2, 4, 5, 8, 9

Where to get them: Myfico.com for $19.95 a month

Auto scores are industry-specific and used in the majority of auto-financing credit evaluations. Lenders may pull your score from one or all three bureaus. Unfortunately, these scores are not free and need to be purchased at Myfico.com.

Personal Loans, Student Loans, and Retail Credit

The best option: FICO® Score 8

Where to get it: Credit Scorecard by Discover or freecreditscore.com.

For other financial products such as personal loans, student loans, and retail credit, FICO® Score 8 is best. This is the credit score most widely used by lenders, and they may pull your score from one or all three bureaus when making a decision.

APR

As low as 2.49%

Credit Req.

Minimum 500 FICO®

Terms

24 to 60

months

Origination Fee

Varies

SEE OFFERS Secured

on LendingTree’s secure website

LendingTree is our parent company

Disclosure

LendingTree is not a lender. LendingTree is unique in that you may be able to compare up to five personal loan offers within minutes. Everything is done online and you may be pre-qualified by lenders without impacting your credit score. Terms Apply. NMLS #1136.



As of 17-May-19, LendingTree Personal Loan consumers were seeing match rates as low as 2.49% (2.49% APR) on a $20,000 loan amount for a term of three (3) years. Rates and APRs were based on a self-identified credit score of 700 or higher, zero down payment, origination fees of $0 to $100 (depending on loan amount and term selected). Terms Apply. NMLS #1136

Other Scores and Their Value

FICO® Score 9 is not as widely used as FICO® Score 8. The benefits of this score are that it doesn’t penalize you for paid collections and reduces the ding you get from unpaid medical collections. See our review for more information.

The FICO® NextGen score is used to assess credit risk, but only a small number of lenders use it due to its 150-950 scoring range and older model.

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The Best Options for Rebuilding Your Credit Score in 2021

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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The Best Options for Rebuilding Your Credit Score

A strong credit score is a vital part of your overall financial health. Rebuilding a damaged credit score, however, can feel like an uphill battle at first, but with a little research, time and patience, there are plenty of avenues you can take in order to rehab a flailing credit score. It all begins with identifying your starting point.

How bad is your bad credit score?

Before taking the first step to rebuild a bad credit score to a good one, let’s determine if your score is even bad. Where do you fall in the range of FICO® credit scores? You can find out your score by reading our guide to getting your free credit score.

Below you’ll find what your credit score is considered, with ranges from Experian.

  • Above 740: Excellent Credit
  • 670 – 739: Good Credit
  • 580 – 669: Fair Credit
  • Below 579: Bad Credit or No Credit Score/Thin File

Know that your credit score isn’t the only factor future lenders consider when evaluating your creditworthiness for a new loan or line of credit. These factors also come into play and can be common reasons for being declined:

  • Your debt-to-income ratio is above 50%
  • You have no credit score
  • You have been building up a lot of debt recently
  • You are unemployed

To focus on improving your credit score, you’ll need to start by getting approved for a new line of credit that reports account and payment activity to the credit bureaus. This may sound impossible if your credit score is in the dumps, but know that there are options specifically tailored to people wanting to rebuild their credit.

Rehabilitating a bad credit score (579 and under)

Look into secured cards

One of the easiest ways to boost a sagging credit score is to apply for a secured credit card.

Secured cards require that you use your own money as collateral by putting down a deposit, which is typically about $200 but can go as high as $2,500 or more, depending on the card and how much you can afford.

Your deposit amount will then serve as your credit limit, although some issuers may grant you a higher credit limit above your security deposit over time as you demonstrate good borrowing and repayment behavior.

The reason secured cards are easier to be approved for is because your deposit protects the issuer in case you miss or skip out on payments. If that happens, then the issuer can use your deposit for repayment.

You can always get your deposit back (minus any fees or outstanding balance due) by either closing the card once your credit score has risen to a more respectable level, or if the issuer “graduates” you to an unsecured card once you demonstrate responsible borrowing and repayment behavior with the secured card over a specified period..

Since your credit limit will most likely be low with your secured card, it’s best to just make small purchases on the card every month and pay off the entire balance in full when the statement is due.

The second-most important factor that plays into your credit score is credit utilization (the most important factor is paying your bills on time). Credit utilization is the amount of debt you’re carrying relative to your credit limit. It’s best to keep your utilization well below 30% of your credit limit.

So, if your credit limit is $200 with a secured card, you don’t want to carry a balance of more than $60 a month on your card (30% of $200). Better yet, pay off the entire balance to bring your utilization down to 0% each month.

To find the best secured card for you, check out what’s available from some of the top card issuers, such as Discover, Capital One or Citi, or your local credit union may have a secured card product. Before you apply, make sure the card you choose reports account and payment activity to all three credit bureaus (Equifax, Experian and TransUnion) instead of just one or two bureaus.

While your credit score won’t increase overnight, with responsible usage over a year or more, you should see a vast improvement.

Make it a habit to monitor your credit score regularly to ensure your numbers are headed in the right direction. Once your credit score rises above 700, you can look at unsecured cards that fit your credit profile, and choose to close the secured card once approved for a new unsecured card, or keep the secured card open to ensure it keeps reporting positive activity to the credit bureaus.

Rebuilding from a fair credit score (580 – 669)

Apply for a store credit card

Odds are you’ve been asked at least once to open a store credit card when checking out. While store credit cards typically come with really high interest rates and low credit limits, they are great tools for folks looking for a way to build or rebuild a credit score as the credit requirements for approval are often much less rigorous than a standard credit card that can be used anywhere.

Some popular store cards issued by retailers include Target, Walmart, Amazon, Kohl’s, Old Navy and more. Many have rewards or discount programs that encourage you to spend at the store each time you visit, but if you can exercise some self-control and just use the card for a small purchase every month and pay off the balance when the statement is due, you’ll avoid racking up a large balance that can escalate very quickly as high-interest charges get tacked on.

Generally, store cards report to all three credit bureaus, but read the fine print to ensure the one you choose to apply for does report to all three.

To avoid spending more than you should with the card, you may want to unsubscribe to emails about discounts, sales or deals and don’t even carry it around everyday in your wallet. Read more about the best ways to manage a store card here.

Like secured cards, store cards often come with very low spending limits at first, so remember to keep your spending below 30% of your credit limit every month, which will help your credit score. And if you are rejected for a store card, it’s probably best to revisit secured cards as your best tool to rebuild your credit instead.

With proper credit behavior, you can see your score rise and then you may be able to qualify for a store card.

Check if you prequalify before you formally apply

If your credit score is in the high 600-range, you may want to consider checking to see if you’re prequalified for any cards.

Prequalification may help minimize your chance of rejection upon applying because the card issuer just performs a soft pull on your credit rather than a hard pull. A soft pull of your credit history doesn’t harm your credit score whereas a hard pull (which is done when you formally apply) can knock 5-10 points off your credit score each time (although the impact of that hard pull will drop off after a year).

Just know that even if you are prequalified for a card doesn’t guarantee approval as the issuer will do a deeper dive into your credit profile when you formally apply.

Again, the goal is to use less than 30% of your total available credit. Pay your bills on time and in full. And keep pumping that positive information onto your credit report until your credit score reaches the 700+ mark.

Another option to consider is becoming a secondary or authorized user on another person’s credit card. For example, you can ask a family member who has a great credit score and who always pays their bills on time to add you to one of their credit cards as an authorized user. Then the account and payment history associated with that card will be reported to the credit bureaus under your name, giving you an instant credit boost.

Just know that if you choose to use the authorized user card (you aren’t required to use the card to have the account reporting to your credit file), the primary account holder is ultimately responsible for payment. To avoid damaging a relationship, don’t use the authorized user card unless you and the primary account holder come up with a mutual agreement of how any charges you make with the card will be paid.

Once your credit score improves to a point where you can qualify for a card on your own, then you can request removal as an authorized user after you are successful in getting approved for your own card.

What you need to avoid

Access to credit and loans when you have a poor credit score may come easier than you expect, but that should also be a danger sign.

There are many lenders who are willing to provide lines of credit or loans to people with poor credit, however, a lot of these options are often predatory and can involve numerous fees combined with very high APRs. That’s why it’s very important to understand all the terms of any product you sign up for or else you may find yourself stuck in a never-ending repayment cycle.

If you’re simply trying to rebuild your credit history and improve your credit score, then there is no need to take these offers.

Here are some options you should avoid when trying to rebuild credit:

1. Payday and Title Loan Lenders – There is never a need to take out a payday or title loan if you’re trying to merely rebuild or establish credit history. Most of these lenders don’t report to the bureaus and you’ll likely end up in a painfully vicious cycle of borrowing and unable to pay off what you owe.

2. First Premier – This bank claims to want to offer people a second chance when it comes to their finances, but its fee structure and fine print prove the exact opposite. First Premier charges you a processing fee just to apply for a credit card. Then it levies an annual fee and most cards only come with a very low credit limit where the fees are deducted from, leaving you with very little credit to work with.

The APR on these cards can be over 30% and you may also be charged with a monthly servicing fee or even a credit limit increase fee. You’d be better off saving up $200 for a secured card deposit with more friendly terms.

3. Credit One – Credit One does an excellent job of confusing consumers into thinking they’re applying for a Capital One card. The logos are eerily similar and easily confused.

Creditone

Capital one

While Credit One is not as predatory as First Premier or payday loans, there is really no need to be using one of these cards to rebuild your credit score.

Credit One cards can have high annual fees that are deducted from your initial credit limit. For example, receiving a $300 credit limit on a card with a $75 annual fee means you’ll only have access to an initial $225 credit limit. Rather than take the chance of being charged a high annual fee, we again recommend saving your money and using a secured card with no annual fee to begin rebuilding your credit score or applying for a store card.

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Do Credit Builder Loans Actually Work?

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If you have no credit or bad credit, getting a loan may seem impossible.

When lenders are considering a loan application, their main concern is whether the applicant can pay the loan back. If there is no loan repayment history, or a record of late payments or loan defaults, a lender will likely determine the applicant is too risky.

A credit builder loan is one way you can start building a strong credit history that should eventually help qualify you for other loans.

What is a credit builder loan?

Building good credit, whether you are starting from scratch or repairing a bad credit history, requires patience. You’ll need to put in the work to show lenders you are a consistently reliable borrower who makes on-time debt payments.

A credit builder loan is a great way to begin establishing a good credit history. Here’s how it works:

A financial institution such as a credit union, which typically issues credit builder loans, deposits a small amount of money into a secured savings account for the applicant. The borrower then pays the money back in small monthly installments — with interest — over a set period of time. At the end of the loan’s term, which typically ranges from six to 24 months, the borrower receives the total amount of the credit builder loan in a lump sum, plus any interest earned, if the lender offers interest.

APR

As low as 2.49%

Credit Req.

Minimum 500 FICO®

Terms

24 to 60

months

Origination Fee

Varies

SEE OFFERS Secured

on LendingTree’s secure website

LendingTree is our parent company

Disclosure

LendingTree is not a lender. LendingTree is unique in that you may be able to compare up to five personal loan offers within minutes. Everything is done online and you may be pre-qualified by lenders without impacting your credit score. Terms Apply. NMLS #1136.



As of 17-May-19, LendingTree Personal Loan consumers were seeing match rates as low as 2.49% (2.49% APR) on a $20,000 loan amount for a term of three (3) years. Rates and APRs were based on a self-identified credit score of 700 or higher, zero down payment, origination fees of $0 to $100 (depending on loan amount and term selected). Terms Apply. NMLS #1136

How a credit builder helps boost credit

A credit builder loan helps borrowers build credit by providing an opportunity  to make small monthly payments. As the lender reports regular loan payments to credit reporting agencies, your credit history will show you can make regular, on-time loan payments over the life of a loan.

Most credit builder loans are small, ranging from $300 to $1,000, which means they also have small monthly payments. Interest rates vary by bank, so be sure you compare all your options to get your best rate.

To apply for a credit builder loan, you can visit a local lender’s branch or apply online. Because you won’t receive any money until the loan is paid in full, credit builder loans are typically easy to qualify for.

What to watch out for

Credit builder loans are not free, so be sure to ask about fees and interest rates. Some lenders may charge an application fee, and interest rates vary widely among lenders. While some offer rates in the single digits, other lenders’ rates may be significantly higher.

Where to get a credit builder loan

Here are examples of a few types of credit builder loans.

Credit unions

Many credit unions list details of their loans online and provide an online application.

Alltru, a credit union in St. Louis, for example, offers these terms:

  • Minimum Loan Amount: $300
  • Maximum Loan Amount: $1,000
  • Loan Term: up to 12 months
  • Interest Rate: 12%
  • Payment history reported to credit bureaus
  • 50% of interest refunded back with on-time payments

Banks

Some regional or local banks offer credit builder loans with the intention of helping clients build a good credit score as they work toward good financial health.

The St. Paul, Minnesota, Sunrise Banks Credit Builders Program, for example, places loan funds into a 12- or 18-month certificate of deposit (CD) for the borrower. The CD earns interest as the borrower repays the loan, which can be withdrawn when it’s paid in full. Consumers can borrow $500, $1,000 or $1,500, and they are assigned a repayment schedule of monthly principal and interest payments. Payments are reported to Experian, Transunion and Equifax.

Self Lender

Self Lender, based in Austin, Texas, is designed to help consumers increase their financial health. Working in partnership with multiple banks, Self Lender offers a credit-builder account that is essentially a CD-backed installment loan. In other words, you open a CD with the bank and they extend a line of credit to you for the same amount. When you make payments, they report it to the credit bureaus.

The money you put in the CD itself is what secures the loan.

Self Lender offers four loan amounts, each with 12 or 24 month terms. Borrowers can receive loans of $520 to $1,663. Fees vary from $9 to $15. See Self Lenders website for more details.

Pros of credit builder loans

  • A credit builder loan forces you to save money, as you are essentially making payments into a savings account.
  • Credit builder loans are secured by the money the bank has deposited for you, so they are typically easy to apply for.
  • When the loan is paid off, you will receive a payment in the amount of the loan. Some lenders also pay you dividends, or refund a portion of your interest.
  • You will develop good savings habits through a credit builder loan, which requires you to set aside money every month for a loan payment.
  • As you make payments on time every month, you’ll develop financial discipline that you apply to bigger loans.

Cons of credit building loans

  • Late or missed payments will be reported to credit reporting agencies, which could hurt your credit score.
  • They aren’t all free. For one, Self Lender charges a $15 non-refundable administrative fee.

Learn more:

Why your credit score matters

Credit scores are calculated by using your credit report, which is a record of your credit activity that includes the status of your credit accounts and your history of loan payments. Many financial institutions use credit scores to determine whether an applicant can get a mortgage, auto loan, credit card or other type of credit. Applicants with higher credit scores typically qualify for larger loans with lower interest rates and better terms.

Three federal credit bureaus, Equifax, Experian and Transunion, collect information from data providers and lenders, and use it to calculate your credit score.

Consumers typically have multiple credit scores. The two key scores are FICO and VantageScore.

FICO scores

FICO scores represent the likelihood that a borrower will pay back a loan on time. Scores range from 300 to 850, and over 90% of lending decisions in the U.S. are influenced by an applicant’s FICO score.

Five factors determine a consumer’s FICO score:

  • Payment history (35%) This is a record of your loan and credit repayments, and notes whether they were on time, late or missed.
  • Amounts owed (30%) Also known as utilization, this shows how much you use your credit limit. For example, if you have a credit card with a $15,000 limit and you have a debt of $3,000 on the card, your utilization is 20%. Ideally, your utilization should be less than 30% on all debts combined. However, loans are not factored into your credit utilization, only revolving credit accounts, such as credit cards.
  • Length of credit history (15%) This measures the length of time you’ve had credit. If you opened your first credit card 20 years ago when you were a college student, for example, your credit history likely would be better than someone who took out their first loan or credit card a year ago. The longer you’ve been using credit and loans, the longer you have had a chance to prove you are a responsible borrower.
  • New credit (10%) New credit looks at how frequently you’ve opened new accounts. For example, when you open a new credit card, your credit score could be slightly lower by a few points for up to a year before going back up, because there will have been a “hard pull” by the lender on your credit report. Overall, however, you shouldn’t be hesitant to apply for new credit as long as you apply judiciously. In the long run, it may be better for your score, even if you experience a short-term hit.

VantageScores

VantageScore, which also measures your credit risk, is used by 20 of the 25 largest financial institutions. As is the case with FICO scores, higher Vantage scores lead to better loan opportunities. VantageScores also range from 300 to 850, and are available for free online. VantageScore takes six factors into account.

Extremely influential

  • Payment history

Highly influential

  • Your age and type of credit (maintaining a mix of accounts over a long time is beneficial)
  • Percentage of your credit limit used (utilization)

Moderately influential

  • Your total debt balance

Less influential

  • Recent credit inquiries and credit behavior (don’t open a lot of new accounts at one time)
  • Available credit

How do I get my credit score?

There are numerous ways to get your FICO and VantageScore for free. Check out our guide on Ways to Get Your Free FICO Score. MagnifyMoney’s parent company, LendingTree, offers free access to your VantageScore, along with regular credit monitoring.

Other ways to build credit

Credit builder loans aren’t the only way to establish a good credit score. Here are some other options if you don’t want to take out a loan.

Secured credit cards

Like credit builder loans, secured credit cards are an easy way to build or rebuild credit history. The application process is the same, but secured credit cards typically require a minimum $200 deposit. The bank then issues a line of credit that is typically equal to the deposit, allowing you to build a credit history without putting the lender at risk as that deposit serves as insurance against non-payment.

Some secured credit cards even allow you to “graduate” and move to a traditional, unsecured credit card after you’ve proven you can make payments consistently. Lenders will report your payments to credit reporting bureaus, and some offer autopay, online payments and alerts to help ensure you pay your monthly bill on time.

Keep in mind: Some secured credit cards have annual fees, along with APRs as high as 25%.

Unsecured personal loans

Unsecured personal loans can be easy to qualify for, and can help you build credit. These loans typically range from between $2,000 and $50,000, and some lenders will offer them to borrowers with lower credit scores.

The borrower will receive the money in a lump sum upfront, and can then use the money to repay the loan.

Using an unsecured personal loan to build credit, however, can be risky. Many unsecured personal loans come with origination fees, and interest rates can be high, which means the loan can be an expensive way to build credit.

APR

As low as 2.49%

Credit Req.

Minimum 500 FICO®

Terms

24 to 60

months

Origination Fee

Varies

SEE OFFERS Secured

on LendingTree’s secure website

LendingTree is our parent company

Disclosure

LendingTree is not a lender. LendingTree is unique in that you may be able to compare up to five personal loan offers within minutes. Everything is done online and you may be pre-qualified by lenders without impacting your credit score. Terms Apply. NMLS #1136.



As of 17-May-19, LendingTree Personal Loan consumers were seeing match rates as low as 2.49% (2.49% APR) on a $20,000 loan amount for a term of three (3) years. Rates and APRs were based on a self-identified credit score of 700 or higher, zero down payment, origination fees of $0 to $100 (depending on loan amount and term selected). Terms Apply. NMLS #1136

The bottom line

While credit building loans can be a key step in establishing a strong credit history, it’s imperative you make all your payments in full and on time. When you are committed to building a strong financial future, successfully paying off a credit builder loan can be a significant factor in someday getting favorable terms on a mortgage and other loans.

Get Personal Loan Offers
Up to $50,000

$

Won’t impact your credit score