Removing negative items is only half the battle. To raise your score, you must add positive data. This directory focuses on Credit Builder Loans (forced savings that report as debt), Rent Reporting (turning your largest bill into a credit asset), and Identity Protection designed for vulnerable profiles.
The ultimate "hack" for thin credit files. Learn how these hybrid savings-loan products work, why they require no credit check, and our top-rated providers for 2026.
View Top PicksRecovering profiles are prime targets for fraud. We review all-in-one safety suites that monitor all three bureaus, your SSN, and even your home title.
See Protection ToolsStop letting your rent be invisible. We compare services that report your on-time rent to all 3 bureaus, potentially jumping your score by 40+ points in weeks.
Compare ServicesKnow someone who pays rent but has a low credit score? Share this directory to help them turn their largest expense into their biggest credit booster.