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The Best Credit Building Apps in 2024 – Build Your Credit From Scratch

Credit Strong – One of the Best Credit Building Apps in 2024

First up: Credit Strong is a fantastic option for anyone starting from scratch. It combines a credit-building loan with a savings account, helping you build credit while saving money. You make monthly payments, which are reported to the credit bureaus, boosting your credit score over time. The app’s design is user-friendly, making it easy to track your progress.

With Credit Strong, you are essentially paying yourself. Once you complete your payments, the funds become available to you, providing a solid savings foundation.

Best credit building apps.

Olly / Pexels / Credit Strong is one of the best credit building apps that offers numerous smart ways to build credit without taking on high-interest debt.


One of the major credit bureaus, Experian offers a comprehensive app that does more than just provide your credit score. Experian Boost allows you to add positive payment history from your utility and phone bills to your credit report. This feature can give your credit score an instant lift.

The app also offers real-time alerts and personalized insights to help you manage your credit effectively. Experian’s educational resources are top-notch, making it a great tool for anyone looking to understand and improve their credit.

Grow Credit

By linking your subscriptions, like Netflix or Spotify, to the Grow Credit Mastercard, your payments are reported to the credit bureaus. This method helps you build credit without changing your spending habits.

The app is straightforward and includes various plans to suit different needs and budgets. Grow Credit also provides educational resources to help you understand the credit-building process.

Best credit building apps.

Freepik / Grow Credit is perfect for those who want to build credit using their subscription services.

Self is the Best Credit-Building App in 2024

This user-friendly app offers a unique way to build credit and savings simultaneously. With Self, you open a credit builder account, make monthly payments, and those payments are reported to the credit bureaus. At the end of the term, you receive the money you have paid in, minus interest and fees.

Nonetheless, the app’s interface is intuitive. Thus, this makes it easy to set up and track your progress. Similarly, Self also offers a secured credit card that can further help build your credit once you have made three monthly payments on your credit builder account.

Cheese Credit Builder

Next up: Cheese Credit Builder is an excellent option for those looking for a user-friendly way to build credit. This app provides a credit-building loan with low fees and flexible terms. Your payments are reported to the credit bureaus, helping you build credit over time.

Best credit building apps.

Pixabay / Pexels / Cheese Credit Builder is one of the best credit building apps to boost your credit in 2024.

Likewise, the app also includes financial literacy tools and resources, helping you make informed decisions about your credit. Cheese Credit Builder’s customer service is top-notch, providing support every step of the way.

Credit Sesame

Finally, Credit Sesame offers more than just credit scores and reports. The app includes a free credit-builder account that helps you establish credit with your regular income. Your account activity is reported to the credit bureaus, helping you build a positive credit history.

So, building your credit from scratch does not have to be complicated. With the best credit building apps in 2024, you can take control of your credit journey and set yourself up for a brighter financial future. Choose the one that best fits your needs and start building your credit today.

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