Financing & Starter Accounts

Build credit from scratch or boost your existing profile with builder accounts and credit cards matched to your score range.

Builder Accounts

No credit check required. These accounts report to the major agencies and help establish or rebuild your credit profile.

No Credit Check

Kovo

A credit-builder account that reports to all three major agencies. No hard inquiry, no minimum score required. Build positive payment history from day one.

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No Credit Check

Extra Card

A debit card that builds credit. Link your bank account, spend like normal, and Extra reports your purchases as credit-building payments.

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No Credit Check

Kikoff

A $750 revolving credit line with no hard pull. Make small monthly payments and build credit history that reports to the agencies.

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No Credit Check

MyScoreIQ — Rent & Utility Reporting

Report your rent and utility payments to the credit agencies and backdate up to 2 years of payment history. One of the fastest ways to add positive tradelines.

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No Credit Check

Credit Strong

A credit-builder loan that puts your payments into a savings account while reporting to all three agencies. Build credit and savings at the same time.

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Credit Cards

Matched to your current credit score. Apply when your score reaches the recommended range.

Capital One Quicksilver

Recommended: 600 — 640

1.5% cash back on every purchase with no annual fee. A solid first rewards card for rebuilding credit.

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Capital One Platinum

Recommended: 550 — 599

No annual fee, no rewards, but designed for fair credit. Automatic credit line increase after 5 months of on-time payments.

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Discover It

Recommended: 660+

5% rotating cash back categories and a first-year cash back match. One of the best rewards cards for good credit.

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Capital One Savor

Recommended: 660+

3% cash back on dining and entertainment, 1% on everything else. Great for people who eat out frequently.

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SoFi Personal Loan

Recommended: 680+

Personal loans with competitive rates, no fees, and unemployment protection. Consolidate debt or fund a major purchase.

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