Eligible services: Netflix, Disney+, Hulu, HBO, internet and phone bills, and more.Cost: $0–$7.99/month, depending on the plan you choose.How it builds your credit: Adds subscriptions and utilities to your credit file.Notable features: Also offers secured credit cardsīuild credit by adding your regular bills to your credit report.Loan amount: Monthly payment of $25–$150.
Not available in Indiana, Iowa, Montana, Nebraska, Nevada, or Vermont Late fees but no prepayment or cancellation fees.
Notable features: Get some of your loan immediately. Credit score increase: Potential for 42+ points within 60 days. Notable features: No prepayment or cancellation fees. Credit score increase: 25+ points in 3 months. Cost: $15–$110/month, depending on the plan selected. How it builds your credit: Adds an installment loan or revolving credit line to your credit file. No option to change your autopay date, payment amount, or loan size. If you have any doubts, just take it from Ashton Kutcher and Kevin Durant, who both back Brigit. But if you have the $9.99/month to pay for their subscription service, you can unlock other benefits, such as $1 million worth of identity theft insurance. The app’s combination of low cost, high flexibility, and wide access to financial tools makes it a truly unique service that’s particularly valuable for users with a tight budget who have poor credit or no credit score.Įven if you have no money at all, you can still access some of Brigit’s financial and budgeting tools with their free plan. Credit reports affected: Experian, Equifax, and TransUnionīrigit is one of the incredibly rare apps that allows you to get an installment credit-builder loan with a 0% interest rate. How it builds your credit: Adds an installment loan to your credit file. However, one word of warning: memberships are 1 year ($60 for the full year), and if you decide to cancel you’ll membership, you’ll still need to pay the cost of the remaining months in your 1-year membership. This gives you double the credit-building power. You can get a Kikoff credit account (a line of credit, like a credit card) and a Kikoff Credit Builder Loan. Many other apps just offer one type of credit. 
Kikoff is a low-cost mobile app that offers to two lines of credit, which will appear on your credit report and bolster your credit history.
Average user credit score increase: 58 points (starting score below 600). Credit reports affected: Experian and Equifax (credit line) or TransUnion and Equifax (loan). 
How it builds credit: Adding a credit line or loan to your credit report.Add 1–2 credit accounts to your credit report with no credit check
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