Credit Builder Options

⭑ Building your credit score can give you access to more financial products

⭑ Build your credit score using apps, cards or loans

⭑ Find the best credit builder options without getting into credit card debt or needing to have a credit check

We help the hardest working people build their credit scores.



Build your credit score

Learn about the best credit builder options


Portify is here to help you find the best credit builder options for your financial situation. Learn about the best traditional and non traditional ways of building credit.

How can I build Credit?

Improving your credit score can unlock opportunities to gain access to get better interest rates on credit cards or loans. Having a good credit score is the first step to financial independence.Getting better credit card offers means lower interest rates and first-rate rewards offerings.

How to Build Credit the Right Way
Our in-depth guide to credit building.

8 Ways to Build Your Credit Score You Didn’t Know About
Dig into some of the more unconventional ways to give your credit score a lift.

Credit Builder Card Alternatives
Learn about alternatives to credit builder cards.

Learn more on credit scores in our Credit Library.

Credit Builder Without a Credit Check

Did you know that it is possible to build your credit score without getting into credit card debt or having to go through a credit check?

Loan and card providers typically perform a hard check on your credit file during the application process, which can cause your score to fall.

Portify is a credit builder tool without a credit check that doesn't put you into credit card debt.

Learn more

Building Credit in 2021

2021 is here, and it comes with more ways to build your credit score than ever before! 

How To Repair a Bad Credit Score

A bad credit score is not the end of the world, although it might feel like it at times. There are ways to repair a bad credit score, take a look below and read our guide.

How to repair credit in the UK

Building Credit After a Breakup or Divorce

Breakups can be messy, we know that. Sometimes, a bad breakup can bring harm to your finances as much as everything else. Our latest guide shows how to build and protect your credit score after a breakup or divorce. It's important to protect yourself and your finances from consequences that can arise after a relationship ends.

Read the guide here



Frequently Asked Credit Builder Questions

What is credit builder?
How does a credit builder work?
Why has my credit score gone down?
What is a credit builder card?
How do credit builder cards work?
How to use a credit builder card