Credit Builder Finder
Rebuilding credit takes time and on-time payments. Secured credit cards and credit builder loans can help you add positive payment history, as long as the product reports to the credit bureaus and you pay on time every month. Some issuers accept applicants with an ITIN instead of a Social Security number.
Before you apply for anything, get your free credit reports from AnnualCreditReport.com and dispute any errors you find. The finder below shows free steps first and partner products after, labeled as sponsored. Check fees, deposits and which bureaus each product reports to before you apply.
Check your 3 free reports and dispute errors before you apply for anything.
Free weekly credit reportsFree
AnnualCreditReport.com is the official site for free reports from all 3 bureaus, available every week.
How secured cards workFree tool
Deposits, fees, and how to move up to an unsecured card. Some issuers accept an ITIN.
Credit utilization calculatorFree tool
Amounts owed are about 30% of a FICO score. See your ratio per card and overall.
Free credit report dispute letterFree tool
Dispute an inaccurate item with Experian, Equifax or TransUnion under FCRA § 611. The bureau usually has 30 days to investigate.
Free options come first. Sponsored listings are labeled and may pay us a commission; see our Advertiser Disclosure.