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| Name | Type | Credit limit | Availability | Price | Action |
| CreditStrong | Credit builder account | $1,000 | In stock | $15/mo. | Buy Now |
| BoomPay | Rental tradeline | Varies | In stock | $25 | Buy Now |
| StellarFi | Credit builder account | $25,000 | In stock | $4.99 or $9.99/mo. | Buy Now |
| Grow Credit | Revolving account | $204 | In stock | $41 | Buy Now |
| Self | Credit builder account | $1,000 | In stock | $25/mo. | Buy Now |
| Extra | Debit card that builds credit | Varies | In stock | $8/mo. | Buy Now |
| Experian BOOST™ | Utility tradeline | Varies | In stock | $0 | Buy Now |
When you are looking to improve bad credit, credit repair companies are one option, but building good credit on your own is just as easy.
Tradelines and the information they send to a credit reporting agency make up your credit score. The better the tradelines appearing on your credit report are, the better your chances of achieving good credit.
But are buying tradelines the way to go or are there better options for adding good tradelines to your credit reports?
What Is a Tradeline and How Does It Work?
A tradeline is any account that appears on your credit reports. These can be credit tradelines such as credit cards and loans or other types of tradelines like rental payment history and utilities.
Every single tradeline that appears on your credit reports, including the closed ones, will impact your credit.
Each tradeline has essential facts about the status of your account which include balance, payment history, the account opening and closing date, and more. These facts are used to calculate your credit score.
Your credit score is made up of five key facets:
- Payment history