Answer 4 quick questions and see which credit-building option actually fits you. Free, and no credit check.
✓ No credit check to see your options✓ We compare, we don’t push one option
Find Your Fit
Is your phone number a regular mobile plan?
Some credit-building tools can't verify internet-based numbers (like Google Voice). This just helps us match you correctly, four quick questions, no credit check.
Do you currently have a credit freeze in place?
A security freeze with Equifax, Experian, or TransUnion, sometimes set up after identity theft or as a precaution.
Do you have a Social Security Number?
If not, some options still work using an ITIN instead.
Which state do you live in?
A couple of these options aren't available in every state. This makes sure we don't send you somewhere you can't actually sign up.
Your Results
Here's what fits your situation
Want these results saved?
We'll email you this exact match, plus a heads-up before any payment step so nothing catches you off guard.
By submitting, you agree to receive emails from CreditKeys about your results and related offers. We won't sell your information. Unsubscribe anytime. See our Privacy Policy and Terms of Use.
CreditKeys is a free, independent comparison service for credit-building products. We are not a lender or a bank, we don't extend credit, and we never touch your credit report.
Four questions, no credit check. We rule out the products that would reject you, then you apply directly on the provider's own site, under their terms.
Who we compare
Kikoff
A revolving credit account reported to the bureaus. No credit check to open, low monthly subscription.
CreditStrong
Credit builder accounts from Austin Capital Bank. Payments go into a locked savings account; at the end of the term the principal is returned, less unpaid interest and fees. ITIN accepted.
Chime Credit Builder
A secured Visa card, no annual fee, no interest, no minimum deposit. Needs an active Chime Checking Account.
How we're paid
Free to use. Our partners pay us a commission when someone we refer opens an account, which may affect which products show and in what order. It never costs you anything extra.
Operated by Team Seven Marketing LLC. Not a lender, bank, credit repair or credit services organization, and not financial advice. No product removes accurate negative information, and no one can guarantee a score increase.
