Build Your Credit the Smart Way
Clear Trac Solutions has partnered with trusted credit-building platforms to help you establish, rebuild, and strengthen your credit profile — safely and affordably.
Whether you're starting from scratch or rebuilding after setbacks, these tools report to major credit bureaus and are designed to help you grow your score with on-time payments.
Our Recommended Credit
Builder Programs
Choose the option that fits your goals and budget. Each program is designed to help improve payment history — one of the most important factors in your credit score.
Kikoff
No credit check required.
Affordable plans starting at low monthly payments.
Reports to all 3 major credit bureaus.
Great for beginners rebuilding under 600 credit scores.
Ava Finance
Simple, app-based credit building.
Designed to make improving your credit easy and accessible.
Download and get started in minutes.
Rent Reporters
Turn your rent payments into credit-building power.
Reports rent history to TransUnion, Equifax, and Experian.
Money-back guarantee available.
Credit Strong (Magnum Plan Available)
No minimum credit score required.
No hard credit pull.
Reports to all 3 bureaus.
Build credit while building savings.
Multiple plan options including larger long-term credit builder loans.
Why Credit Builders Work
Payment history makes up a large portion of your credit score. Credit builder accounts help you establish consistent, positive payment activity that gets reported to the major credit bureaus.
With responsible on-time payments, you can:
Strengthen your credit profile
Improve lender confidence
Increase approval odds
Work toward better interest rates
Clear Trac Solutions is not a lender. We may receive referral compensation from partner programs.
Individual results may vary. On-time payments are required to see positive credit impact.
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