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4 Incredible Apps To Help Boost Your Credit

Last updated June 18, 2022 | By FinanceBuzz Editors
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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. 

Increase your credit scores instantly, for free

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® Scores 1 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.

Sign up for Experian Boost now

See why just 50 points on your credit score is so important

The housing market is red hot right now. And it feels like you need a near-perfect credit score to get approved for a mortgage. But if your credit is “iffy,” you might not be able to compete with other buyers — and you could even be completely rejected by lenders.

But did you know the difference between approval and denial could be a measly 50 points on your credit score?

Seems a little harsh. But raising your credit — even the teensiest bit — could finally put you in your dream home. Get started with Lexington Law Firm now and start working to improve your credit.

Get started

Start improving your credit history with this new card

The Chime Credit Builder Visa® Credit Card lets you build credit with everyday purchases and on-time payments. And it works even if you don’t have any credit history or you have bad credit history. 

Just apply here after signing up for a Chime Spending Account and receiving a qualifying direct deposit of $200. Then, add money to your secured account and spend with it like normal. 6

Scared about the idea of having credit? Most users see an average score increase of 30 points. 3 The card has no interest, no annual fee, no credit check to apply, and no minimum security deposit. 4

Get started

BONUS: Cancel your car insurance

We’ve got bad news. You could be wasting $500 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there’s something much better.

This new tool from FinanceBuzz can tell you if you’re overpaying for your car insurance in just a few clicks. On average, we find around $500 a year in savings for drivers. And once you try it out, you’ll never have to look for affordable insurance again because we find you the lowest rates that other companies can’t match.

Oh, and it’s also free. And come on — you can’t tell us you don’t want to save up to $500. To find out if you’re losing up to $500 or more a year, just enter your zip code here, answer a few questions and see if you’re overpaying. It takes less than 2 minutes.

See if you’re overpaying

Experian Boost Benefits

  • Get credit for making on-time payments for your utility bills and streaming services
  • 100% free and new credit scores take effect immediately
  • Get your credit scores for free
  • © 2021 Experian