Having bad credit today doesn't doom you to have bad credit forever. It just means you've got a little work to do in order to see your credit score rise. By taking control of your finances and making smart moves, better credit can be in your future.
Luckily, there are new tools that can help you build better credit. Some could even help you improve your credit score today. We've rounded up some of our favorite ideas for anyone who is ready for better credit.
See if you can raise your credit scores in real time
Your credit scores affect whether you can get approved for a loan, a credit card, or even a new job. Usually it can take weeks or months to improve your credit scores, but there's an innovative new feature that could help you raise your FICO® Scores5 instantly.
Experian Boost™ can help you get credit for making on-time payments for your phone and utility bills. The process takes just minutes and if qualifying payments are identified, you can include this positive information in your Experian credit file. (Don't worry: If you have any negative marks, those won't count against you.)
Since launching, Experian Boost has collectively increased FICO® Scores across America by over 10 million points. It's 100% free and new potential credit scores take effect immediately.
Get out of $25,000 or more in debt
If you're struggling to make credit card or medical bill payments already, Freedom Debt Relief will work with your creditors to reduce debt and get your finances back on track without needing a loan.
You could resolve your debt in as little as 24-481 months with one low interest monthly payment, even if you don’t have great credit.
Freedom Debt Relief is America's largest debt company and has settled over $10 billion in debt and served over 750,000 clients.
Save on car insurance in less than 30 seconds in Virginia
Car insurance can be expensive, so you want to make sure you're not overpaying on your current premium.
FinanceBuzz has made it easy to search and compare quotes. Think of it as Kayak, but for car insurance.
We can help match you to national and regional insurance carriers that could help you save. Just log in with your current insurance, and we’ll instantly check the best insurers for a better deal. If you’d like to switch, we’ll help you 100% for free!
The best part? If your rate ever goes up, we’ll help you find a better deal. It only takes 30 seconds to get started. See if you can save today!
Boost your credit an estimated 53-187 points
If you want to buy a house, car, or make any other important purchase, it pays to have good credit. But what if you have damaging errors on your report, keeping your scores down? Credit help might be a good option to consider.
If you would like to fix your credit, and raise your score, The Credit People could help. They’re experts in credit help and know the laws and steps you need to take to improve your credit easily and efficiently.
Instead of charging wild fees, they keep their service simple — it costs just $79 per month — and they offer a 100% money-back guarantee. Most clients see results in less than 60 days, meaning your credit could go up an estimated 53-187 points in just two months.
Keep your credit score safe and get $1 million identity theft insurance
Identity theft can turn your life upside down. Your money could be stolen, your credit score could tank by hundreds of points, and worst of all… you could be liable for damages, even if you’re not at fault. It can be really bad.
Identity Guard can help protect your money in case your identity is ever stolen online. They keep you updated 24/7, constantly monitoring in the background while you go about your day with total peace of mind. Using state-of-the-art artificial intelligence, they’ll alert you when potentially suspicious activity is detected, helping you take action to protect your money.
With Identity Guard, your money, identity, and credit score are kept safe and secure. Sign up today and get access to real-time monitoring and $1 million in identity theft insurance4 for as little as $6.67 per month.
Budget better and trim up to $720 from your bills
Missed payments can spell trouble for your credit. A budgeting app like Truebill can help you take control of your money — spend intentionally on the things you value and stop missing payments.
Once you have a complete picture of your finances, it's easy to spend smartly and work towards better credit. And Truebill can also help you find ways to save money. Their expert negotiators can call the cable company and phone company to help lower your bills. They'll also help you cancel unwanted subscriptions and put that money back in your bank account where it belongs.
Truebill has already helped save its members over $50,000,000 on their bills without much time and effort.
Crush your debt with a historically low interest loan
If you’re looking for a chunk of change and earn more than $20,000/year, a personal loan could be a good option.
Our partner AmOne will match you with loan providers to fit your specific needs. In only 2 minutes, you could get matched for a loan up to $50,000 and rates as low as 3.49%.
Why not see if you qualify? It will NOT affect your credit score.
Bonus: Build for your future - Get $5 to start investing
Taking steps to improve your credit can be a great way to build for future. Another great way: start investing. Even if you don't have a lot of money to invest, you don't have to let that stop you — you can start investing with $5 or less.
Stash was built to help beginner investors get started. You can buy fractional shares (partial shares) in companies that are household names like Apple, Google, Amazon, and more2. Normally a single share of these companies could cost hundreds or even thousands of dollars, but you only need as little as $5 to get started with Stash.
If you're thinking about saving for retirement, you can start investing in an IRA and enjoy the tax benefits that come with retirement accounts. Stash also offers tools and guidance to help you along the way and you can use the Stash app to track your investments from anywhere.
As a bonus, Stash will give you $5 to invest after you deposit $5 or more into your personal portfolio.6
Want even more tools and guidance? If you choose the Stash+ plan7 when signing up, you can earn 2x stock rewards when you spend on eligible purchases!3