Let's Help You BEE Independent.
Compare trusted ways to check your score, build payment history, and get breathing room — then read the guides that explain what actually moves the needle.
- No judgment, no perfect score required
- Most options need no credit check
- Free to compare
Compare 25 ways to build your credit
Filter by what you need. Every option below is free to look at, and most need no credit check.
25 offers shown
Swagbucks
Earn rewards for everyday activities like searching the web, shopping, and watching videos.
- Best for
- The widest mix of ways to earn
- Credit needed
- None
- Cost
- Free to join
InboxDollars
Earn cash for reading emails, taking surveys, playing games, and shopping online.
- Best for
- Cash instead of points
- Credit needed
- None
- Cost
- Free to join
MyPoints
Earn points for shopping, surveys, and watching videos, redeemable for gift cards or cash back.
- Best for
- Earning on shopping you already do
- Credit needed
- None
- Cost
- Free to join
PrizeBear
Enter free sweepstakes and giveaways for a chance to win cash and prizes.
- Best for
- Free sweepstakes entries
- Credit needed
- None
- Cost
- Free, no purchase
Best FreeScore
Check your credit score and report from all three major credit bureaus in one place.
- Best for
- Seeing all three bureaus at once
- Credit needed
- None
- Cost
- Free to check
SoFi Relay
Free credit score tracking plus tools to monitor your overall financial picture.
- Best for
- Tracking your score over time
- Credit needed
- None
- Cost
- Free
TransUnion
Get your credit score and report straight from one of the three major bureaus.
- Best for
- Disputing a TransUnion error
- Credit needed
- None
- Cost
- Varies by plan
Mortgage Refi
Compare mortgage refinance offers to see if you could lower your monthly payment.
- Best for
- Homeowners cutting a monthly payment
- Credit needed
- Varies by lender
- Cost
- Free to compare
Self Credit Builder
Build credit with a credit-builder account, with the option to add a secured card.
- Best for
- Building history and savings together
- Credit needed
- None
- Cost
- Monthly payment + fees
GrowCredit
Build credit history using a virtual card for subscriptions you are already paying for.
- Best for
- Using subscriptions you already pay
- Credit needed
- None
- Cost
- Free tier available
Kovo Credit Builder
Build credit history with simple monthly payments reported to the major bureaus.
- Best for
- A simple fixed monthly payment
- Credit needed
- None
- Cost
- Monthly payment
Chime No Fee Checking
A fee-free checking account with early direct deposit and no minimum balance.
- Best for
- Early payday, no monthly fees
- Credit needed
- None
- Cost
- No monthly fee
Instant Cash
Access short-term funds to help cover expenses while you work on your credit.
- Best for
- Covering a gap before a due date
- Credit needed
- None
- Cost
- Varies, check terms
Everyday Life Insurance
Affordable life insurance coverage options, with no medical exam required for many applicants.
- Best for
- Protecting family from your debts
- Credit needed
- Not applicable
- Cost
- Varies by policy
Upstart Personal Loans
Personal loans from a lender that looks beyond just your credit score.
- Best for
- Approval that looks past your score
- Credit needed
- Fair and up
- Cost
- APR varies
PersonalLoans.com
Compare personal loan offers from multiple lenders in one simple search.
- Best for
- Comparing several lenders at once
- Credit needed
- Varies by lender
- Cost
- APR varies
TapInLoan
Connect with lenders offering short-term personal loans.
- Best for
- Smaller, shorter-term needs
- Credit needed
- Varies by lender
- Cost
- Higher cost, check total
Klover
Get a cash advance on your paycheck with no interest and no credit check.
- Best for
- An advance before payday
- Credit needed
- None
- Cost
- No interest
GrantCashAdvance
Access a cash advance to help bridge the gap until your next payday.
- Best for
- Bridging to your next paycheck
- Credit needed
- None
- Cost
- Varies, check terms
Chime Visa
A credit-building Visa card option designed to work alongside your everyday spending.
- Best for
- Building credit without overspending
- Credit needed
- None to fair
- Cost
- No annual fee
Fortiva Mastercard
A credit card option built for consumers who are building or rebuilding their credit.
- Best for
- An unsecured option, no deposit
- Credit needed
- Poor to fair
- Cost
- Fees apply, check schedule
Imagine Visa
A credit card designed to help consumers establish or rebuild their credit history.
- Best for
- Approval after other declines
- Credit needed
- Poor to fair
- Cost
- Fees apply, check schedule
Freedom Debt Relief
Get help negotiating and reducing outstanding debt.
- Best for
- Settling debt you cannot outrun
- Credit needed
- Any
- Cost
- Free consultation
Financial Assistance
Find programs and resources that may help cover everyday expenses.
- Best for
- Help with everyday essentials
- Credit needed
- Any
- Cost
- Free to check
Everyday Seniors
Resources and guidance tailored to the financial needs of seniors.
- Best for
- Managing credit on a fixed income
- Credit needed
- Any
- Cost
- Free to check
No offers match that filter.
Where to start, depending on where you are
Six stages, roughly in order. Tap any one to filter the list above.
Credit Scores
You can't fix what you can't see. Pull your score and report before you apply for anything — most people who assume their credit is bad find at least one surprise.
- Checking your own score is a soft pull. It cannot hurt you.
- Check all three bureaus — errors usually live on just one.
Credit Builders
This is the engine room. These products exist to create on-time payment history that gets reported to the bureaus — which is roughly a third of your score.
- Most need no credit check. That's the point.
- Check it reports to all three bureaus before you sign.
Loans & Cash Advance
Sometimes the problem isn't your habits, it's this month. Borrowing carefully to keep an existing bill current is very different from borrowing to spend more.
- One missed payment can undo months of progress.
- Compare the total repayment, not the monthly figure.
Starter Credit Cards
Once you have a few months of clean history, a card in your own name gives the bureaus something a builder account can't: a revolving line you're managing well.
- Keep the balance well under a third of the limit.
- Pay the statement in full — carrying a balance doesn't help.
Rewards & Freebies
The slow work is happening in the background. These pay you for things you already do online, so there's something in your pocket while you wait.
- Free to join, no credit check anywhere in this group.
- Earnings are modest and add up over weeks, not overnight.
Guides to Financial Freedom
Building credit is half the job. If old debt is still dragging on you, dealing with it now is what stops the progress you've made from unravelling later.
- Unresolved debt keeps generating new late marks.
- Many people qualify for assistance and never apply.
Credit guides worth your time
Plain-English explainers on how credit actually works, what moves your score, and what to do first.
Read all guidesAdvertiser Disclosure
MyCreditHive may receive compensation from the companies listed on this page. This compensation may impact how and where offers appear, but it does not affect our editorial opinions. This page does not include every offer or company available in the marketplace, and offer availability may vary by state. Please review each partner's terms and conditions before applying.
Editorial note
"Our Pick" reflects our own view of which product best fits the typical visitor in that category. It is not a guarantee of approval, rates, or results. "Best for", "Credit needed" and "Cost" are editorial summaries, not quoted terms — always check the partner's current terms before applying. Nothing on this page is financial, legal or tax advice. Full Advertiser Disclosure