All clients must complete the 2-step process in order to have a full credit analysis and consultation

Transparent Credit Repair - Credit Builder - Build Your Credit

What can I do to help raise my credit score?

Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.

Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.

Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score. Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.

Advertiser Disclosure: Transparent Credit Repair credit boosters and products advertised support Transparent Credit Repair with compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partner may impact how and where products appear on the site. While we make an effort to include the best deals available to the general public.

Credit Boosters

Transparent Credit Repair has done All the work for you. We believe in results, by accessing the resources we have provided. You will be satisfied with your New Credit Report


    • Mocafi - Transparent Credit Repair
    • Credit Booster 1

      Spend smart.

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    • Slef Lender - Transparent Credit Repair
    • Credit Booster 2

      Build credit history & save money.

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    • Credit Strong - Transparent Credit Repair
    • Credit Booster 3

      Transform Your Life With Strong Credit and Savings
      Credit Strong helps you build credit as you grow savings.

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    • Kovo - Transparent Credit Repair
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      KOVO
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    • Credit Booster 5

      KIKOFF
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    • LOQBOX - Transparent Credit Repair
    • Credit Booster 6

      LOQBOX
      Your savings kept safe
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    • Digital Credit Union - Transparent Credit Repair
    • Credit Booster 7

      Digital Credit Union
      Flexible terms - from 12 to 24 months.
      Fixed loan rate - 5% Annual Percentage Rate (APR).
      Earn dividends - funds in your DCU Savings account earn dividends at the published dividend rate.
      Establish credit - as you repay on time, we report this information to the credit bureaus.

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    • Rent Credit Booster - Transparent Credit Repair
    • Credit Booster 8

      RENT?
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    • ROCK The Score Rental Reporting - Transparent Credit Repair
    • Credit Booster 9

      ROCK The Score Rental Reporting
      Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
      Report the past two years of rent payments for a possible boost to your credit score!
      Pricing: $8.95 Monthly (Keeps Trade Line Open) - $25 One time set up fee - Optional: $99 Historic Reporting

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    • National Credit Direct - Transparent Credit Repair
    • Credit Booster 10

      BAD credit NO credit NO PROBLEM!
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    • Credit Booster 11

      Coming Soon

    • My Jewelers Club - Transparent Credit Repair
    • Credit Booster 12

      Get Immediate Approval For Up to $5,000.00 of Unsecured Revolving Credit!

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    • New Coast Direct - Transparent Credit Repair
    • Credit Booster 13

      Get Immediate Approval For $5,000 of Unsecured Revolving Credit!

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      • ShopSimplio - Transparent Credit Repair
      • Credit Booster 14

        ShopSimplio Shopping Card
        0% Intro APR – No interest charged on Purchases for Six Months!
        Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
        Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
        No Credit History or Minimum Credit Score Required for Approval

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    • LiGos - Transparent Credit Repair
    • Credit Booster 15

      1 revolving credit line that reports to all 3 credit bureaus
      Positive credit history
      Ability to purchase products from our online store
      Option to close your account at anytime

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    • You Help I Help - Transparent Credit Repair
    • Credit Booster 16

      Easy Approval Even If You Have Bad Credit!
      Build Good Credit And Look Good Doing It!
      Get Immediate Approval For Up to $5,000.00 of Unsecured Revolving Credit!

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    • Horizon Gold -Transparent Credit Repair
    • Credit Booster 17

      $500 Limit Easy Terms
      No Credit Check
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      Reports to Major Bureau
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    • First Progress - Transparent Credit Repair
    • Credit Booster 18

      Deposit of $200 - $2,000 Submitted with Application
      No credit history required
      Nationwide Program
      No Credit History or Minimum Credit Score Required for Approval

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    • OpenSky - Transparent Credit Repair
    • Credit Booster 19

      Get your OpenSky® Secured Visa® Credit Card

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    • Credit Builder Card - Transparent Credit Repair
    • Credit Booster 20

      $200 Secure Credit card. By enrolling through the Transparent Credit Repair sponsored profile all your processing fees are waived on your deposit to open your Credit Builder Card!

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    • Surge Mastercard - Transparent Credit Repair
    • Credit Booster 21

      Surge Mastercard® Credit Card
      To help people build or re-establish credit history.
      All credit types welcome to apply. It takes less than a minute.
      See if you’re Pre-Qualified with no affect to your credit score.
      Reports to all 3 major credit bureaus.
      Initial credit limit ranges from $300 to $750* (subject to available credit)

    • First Access Card - Transparent Credit Repair
    • Credit Booster 22

      First Access Card (Unsecured Card)
      Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
      Reporting monthly to all three major credit reporting agencies
      Perfect credit not required for approval; we may approve you when others won’t

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    • Assent Platinum MasterCard - Transparent Credit Repair
    • Credit Booster 23

      Assent Platinum MasterCard Secured Credit Card
      0% Intro APR – No interest charged on Purchases for Six Months!
      Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
      Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
      No Credit History or Minimum Credit Score Required for Approval

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    • Merrick Bank - Transparent Credit Repair
    • Credit Booster 24

      Merrick Bank Secured Credit Card
      Build Credit While You Shop
      At this time Shop Simplio reports to Equifax and Transunion
      Shop Simplio offers access to name-brand products, with an easy approval financing program! Shop today and build your credit!
      Get Approval of Up to $8,500 of Unsecured Revolving Credit within 48-72 Hours!
      New name brand products added daily!

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    • PERSONAL LOAN

      UPGRADE CARD
      No fees
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      Credit lines from $500 to $20,000**

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    • Upstart - Transparent Credit Repair
    • PERSONAL LOAN

      Upstart
      Loans from $1,000 - $50,000
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      No prepayment penalty

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    • Auto Credit Express - Transparent Credit Repair
    • Auto Credit Express

      Get Car Financing With Good or Bad Credit
      Auto Credit Express is a leading provider of lender and dealer connections.

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    • Transparent Credit Repair
    • Investing

      Invest in stocks, options, and ETFs, all commission-free. $0 minimum deposit. You can invest on Robinhood Financial LLC

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    • Call Transparent Credit Repair More!
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      SEARCH OUR RECOMMENDED BOOSTERS

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Mobile Banking

    • Chime - Transparent Credit Repair
    • Chime

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    • Empower

      Get a Cash Advance up to $250*
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    • Simple - Transparent Credit Repair
    • Simple

      Deposit into your account
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    • Current - Transparent Credit Repair
    • Current

      Get paid up to 2 days faster
      Free overdraft up to $100
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    • Oxygen

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    • Varo

      No monthly fees
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    • Aspiration

      Reforest as you shop
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    • Unlimited By GreenDot

      $0 ATM withdrawals
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    • SmartBank - Transparent Credit Repair
    • SmartBank

      Online bill pay
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      E-Statements

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    • Level - Transparent Credit Repair
    • Level

      Up to 10% back
      Unlimited 1.5% cash back
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    • One - Transparent Credit Repair
    • One

      No fees, No minimums
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      E-Statements

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Business Banking

    • NorthOne - Transparent Credit Repair
    • NorthOne

      No monthly fees
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    • Azlo

      No minimum balance requirements
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    • Oxygen

      No monthly fees
      Virtual Cards
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