Credit Basics

Multiple Ways to Build Credit.


Instantly build revolving credit with no minimum monthly payment requirement. Can help improve credit card utilization.


Build installment credit and your savings with a low fixed monthly payment on a CreditStrong credit builder loan.


When you have the cash, but not the credit, build BIG credit with the largest and longest credit builder accounts in the nation.

What’s the best plan

for me?


  • Instantly builds revolving credit
  • No minimum monthly payment required
  • May immediately boost your score by decreasing utilization
  • Can be combined with Instal or MAGNUM to boost your credit profile



  • Low fixed monthly payments that build installment credit
  • Multiple plans to choose from
  • Build credit or build credit and savings
  • Can be combined with Revolv to boost your credit profile


  • Build installment credit
  • Largest and longest credit builder accounts available
  • Use for personal or small business credit building
  • Can be combined with Revolv to boost your credit profile

Join the Credit Strong community of over

1 million

people and small businesses.

No Hard

There is no hard credit pull
when you open your account.

Your credit profile and your associated credit score are uniquely you. How quickly your credit profile improves and the impact on the score will vary, but the best thing you can do is make on-time payments and keep building your profile.
Occasionally, adding a new line of credit to your credit profile will cause a slight temporary dip in your credit score because it may reduce the overall age of your credit history. In this case, it’s typical for your credit score to quickly rebound and increase with on-time payment history for the Scorerevive account loan.
ou may cancel or close your Scorerevive account at any time with no prepayment or early termination fee. Please note that any payments received more than 30 days late will be reported as ‘late’ to the credit bureaus. When canceling or closing your account you should be aware that payment history is the most important factor for your FICO credit score and by closing your account early you will reduce the number of payments reported to the credit bureaus, potentially reducing the positive impact of the CreditStrong Account loan on your credit score.
There are five major factors that impact your FICO® credit score.
Scorerevive provides the FICO score to Scorerevive account holders and updates your FICO score monthly free of charge when you have an open Scorerevive account. We also provide the top two factors that are currently impacting your FICO credit score. Unlike the Vantage 3.0 credit score, which is provided by several free credit monitoring websites, FICO is the Score Lenders Use®. 90% of top lenders use FICO scores when making lending decisions.

How FICO Scores Work

Your FICO score is calculated by a computer algorithm that evaluates many sources and types of information on your credit report when you apply for credit. By analyzing the information and patterns in your credit profile to patterns in millions of past credit reports, your FICO score provides lenders a consistent and reliable assessment of how risky it may be to lend you

The Amount You Owe

Amounts Owed reflects how much you owe each creditor individually and in total. It includes your utilization rate for revolving lines of credit (e.g. credit

New Credit

New Credit is the new account opening activity and any recent ‘hard’ credit inquiries from lenders on your credit report. Approximately 10% of a FICO® Score is based on this information.

Payment History and How It Affects Your Credit Score

Payment History is the most important factor in calculating your FICO® credit score. Your payment history accounts for over a third of your overall FICO credit score.

Types of Credit in Use

Credit Mix is the types of credit used. Examples may be revolving credit cards or revolving lines of credit, or installment credit like a fixed loan amount.

Length of Credit History

Five different factors affect your credit score, and your Length of Credit History is right in the middle in terms of impact, behind payment history and credit