Credit Builder Accounts

Tradeline Supply Company, LLC is a leader in providing solutions to end credit invisibility. By providing universal access to authorized user tradelines, we help deliver equal credit opportunity.

Both options can be effective, but it's important to use them wisely—credit cards can lead to debt if mismanaged, and credit builder accounts may have fees or restrictions. By understanding how each works and using them strategically, you can strengthen your credit profile over time.

National Credit Direct offers a $5,000 credit line that can help boost your credit score by adding positive payment history and increasing available credit. Responsible use, such as making on-time payments and keeping balances low, can improve your credit profile over time.

Best Credit Cards and Personal Loans for Bad Credit from Our Partners
Sometimes unexpected things happen in life and you get in over your head. Whatever the reason for your bad credit history, the first step toward repairing it is applying for a card made especially for your situation and then, if approved, making timely payments and keeping account balances low relative to the credit limit with all your creditors.

To establish good credit, use your card for small expenses, pay the full balance on time every month, and keep your spending low. Consistent usage and responsible repayment will help build a strong credit profile. Always check your card's APR, as introductory 0% interest offers often come with higher rates after the promotional period.

You have more credit card offers to choose from when your credit is good. If your goal is to earn rewards on all your purchases or on travel specifically, look for rewards credit cards. Since your credit is not perfect and you still have space to improve don't forget about long-term goals - building excellent credit history. Credit cards for good credit are great for that too.

When you apply for a credit card, the issuer performs credit pulls, which can be hard pulls or soft pulls. A soft pull (or a soft credit check) does not affect your credit scores, while a hard pull may take a few points off your credit scores. Soft pull credit cards are great when you have bad credit and want to apply for a new credit card without affecting your credit score. Here you will find some of the popular soft pull credit cards from our partners.

The Milestone® Gold Mastercard® is designed for individuals looking to build or rebuild their credit. With no security deposit required, it provides an accessible option for those with limited or imperfect credit histories. This card reports to all three major credit bureaus, helping users establish a positive credit profile with responsible use. While it may come with an annual fee and a higher APR, it offers a straightforward path to improving credit without the need for a perfect score. Prequalification is available, allowing applicants to check their eligibility without impacting their credit.