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Optional Credit Boosters

Explore ways to build your payment history.

Compare rent reporting, a credit-builder account, and cards from other companies. These tools are optional, cost extra, and do not guarantee better credit.

OptionalYour choice
Separate costNot included in CRS
Compare firstCheck your budget
No guaranteeResults vary
Keep it affordable

Choose only what fits your budget.

Payment history is the record of how you pay your accounts. These products may help add to that record. They do not remove errors from your credit reports. CRS does not choose a product or apply for you.

Before applying, check the full cost, who can qualify, which credit bureaus receive your payments, and how to cancel. Credit bureaus are the companies that keep your credit reports.

About these links: CRS may earn compensation if you apply or enroll through a link below. This does not change your CRS price. Check each provider's website for current prices and terms.

Rent payments

Could your rent count toward your credit history?

Rental Kharma may report eligible past or ongoing rent payments. Check whether your rental situation qualifies and which credit bureaus receive the information.

Cost: check setup and ongoing fees with the provider.
Ask: what does my landlord need to do?

Visit Rental Kharma
Monthly payments

Explore a credit-builder account.

With this type of account, you make monthly payments while money is held under the provider's terms. Those payments may be reported to credit bureaus. Check when you can access the money.

Cost: check the monthly payment and all fees.
Ask: what happens if I cancel or pay late?

Visit Self
Credit card

Compare a card for building credit.

A credit card lets you borrow up to a limit and repay what you use. Paying on time may help build your payment history. Fees, high balances, and missed payments can affect your budget and credit.

Cost: check fees, interest, and any required deposit.
Ask: how much can I borrow, and when is payment due?

Visit Credit Builder Card
Card with learning tools

Explore Arro's credit card and education tools.

Review the card's learning features, borrowing limit, and payment rules. Confirm which credit bureaus receive account information and whether the full cost fits your budget.

Cost: check current fees and interest.
Ask: what would I owe each month?

Visit Arro
Need help understanding your reports?

See what CRS offers.

CRS credit repair is a separate service with one $499 flat fee and no upfront CRS service payment. A separate paid SmartCredit membership is required during active CRS credit-repair work. Review both costs and the payment conditions before enrolling.