Recommended Credit-Building Products
At Credit Help USA, we believe that improving your credit is about more than removing inaccurate information. Building positive credit history while maintaining healthy credit habits can help strengthen your overall credit profile and support your long-term financial goals.
Below are products we frequently recommend to our clients based on their individual credit situations.
IDIQ Credit Monitoring & Identity Protection
The first step to improving your credit is knowing exactly what is being reported.
We recommend IDIQ because it provides:
✔ Three-bureau credit monitoring
✔ Credit scores and updated credit reports
✔ Identity theft monitoring
✔ Dark web monitoring
✔ Fraud alerts
✔ Identity restoration services
Start Monitoring Your Credit Today
Experian Boost®
Experian Boost allows you to receive credit for eligible bills you already pay, including:
• Cell phone
• Utilities
• Internet
• Select streaming services
Many consumers see an improvement to their Experian credit profile after enrolling.
Get Started with Experian Boost
Ava Credit Builder
Ava helps establish positive payment history while helping you build stronger credit over time.
Benefits include:
✔ Reports positive payment history
✔ Helps build credit responsibly
✔ Affordable monthly payment
✔ Easy online enrollment
Ava is one of our favorite tools for clients who are rebuilding their credit.
Start Building Credit with Ava
Kikoff Credit Builder
Kikoff is an affordable credit-building program designed to help consumers establish positive payment history without requiring a traditional credit card.
Benefits include:
✔ Reports positive payment history to the major credit bureaus
✔ No hard credit inquiry to get started
✔ Low monthly payment options
✔ Helps establish and strengthen credit history
✔ Quick and easy online enrollment
Kikoff is an excellent option for consumers beginning their credit journey or rebuilding after past credit challenges.
Start Building Credit with Kikoff
CreditStrong
CreditStrong offers several credit-building products designed to strengthen your credit profile through positive payment history.
Benefits include:
✔ Installment credit-building accounts
✔ Revolving credit-building options
✔ Reports to the major credit bureaus
✔ Helps establish long-term positive payment history
CreditStrong is an excellent choice for consumers who want to add strong positive credit history while improving their overall credit profile.
Learn More About CreditStrong
Self Credit Builder
Self offers a Credit Builder Account that helps consumers establish positive installment payment history reported to the major credit bureaus.
Benefits include:
✔ Positive installment payment history
✔ Reports to all three major credit bureaus
✔ Opportunity to qualify for a secured credit card after meeting eligibility requirements
Self may be a good option for consumers looking to diversify their credit mix.
Learn More About Self
Kovo
Kovo combines credit building with financial education to help consumers strengthen their credit while learning healthy financial habits.
Benefits include:
✔ Reports positive payment history
✔ Financial education resources
✔ Affordable monthly membership
✔ Helps establish positive credit history
Get Started with Kovo
Which Product Is Right for You?
Every credit profile is different.
Some clients may benefit from one product, while others may benefit from combining several credit-building tools as part of a personalized credit improvement strategy.
If you’re already a Credit Help USA client, we’ll help you determine which products are the best fit for your specific goals.
If you’re not yet a client, we’d be happy to review your credit and create a personalized plan designed to help you achieve your financial goals.
Ready to Start Improving Your Credit?
Credit Help USA
📧 lesliemathis@credithelpusa.org
Affiliate Disclosure
Some links on this page may be affiliate links. If you choose to enroll in certain products through these links, Credit Help USA may receive a commission at no additional cost to you. We only recommend products that we believe may provide value to our clients based on their individual credit needs.
