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Equal Housing Opportunity
My Rent Solution

Boost My Score

Pathways to Homeownership Start Here: Build Your Credit and Unlock Your Future Home.

Three tools that work together: one adds positive credit fast, one counts bills you already pay, and one shows exactly what to pay down to hit your number.

~1 weekfor a credit-builder card to show on your report
6×reports up to 6 times per month
$0to add your bills with Experian Boost
STEP 1 · FASTEST BUMP

Open a credit-builder card

The quickest way to put positive credit on your report. It shows up within about a week, then keeps reporting your on-time payments up to 6 times a month.

✓ On your credit report in a week
✓ Reports up to 6 times a month
✓ Strong way to bump scores right away
STEP 2 · FREE

Add bills you already pay with Experian Boost

Connect your bank account at experian.com/boost and add on-time payments that don't normally count towards your credit.

Cell phoneElectric & gasWaterInternet & cableNetflixHuluDisney+Insurance

Experian Boost is free and affects your Experian credit file and FICO® Score 8 only. Not all lenders use Experian. Results vary, and some people see no change.

STEP 3 · YOUR PLAN

Track it all with SmartCredit credit monitoring

SmartCredit is the credit monitoring every applicant uses. It's a soft pull, so it checks all three bureaus without lowering your score, and it lets you and your professional track your credit and raise it without expensive credit pulls.

Our suggestion:stay on credit monitoring until you've moved into your new home. After that, keep it or cancel — your choice.

Know exactly how much to pay — and when
ScoreBoost™ lets you simulate payments and spending to see how paying down balances could change your score, and the best time to pay.
3-bureau monitoring, soft pull
All three bureaus in one place, with alerts when something changes, and no hit to your score.
ScoreTracker
Watch your score climb towards your goal over time.
ScoreBuilder® with Action buttons
Spot negative or inaccurate items and send requests straight to the creditor.
Money Manager
Track balances and spending across your cards and bank accounts.
Debt Tracker
Plan due dates, avoid late payments and watch balances before statement dates.
$1M fraud insurance
Plus fraud alerts and privacy tools to protect your identity.

Start with one quick application

Tell us about you and your work, then set up SmartCredit credit monitoring (a soft pull). You'll be matched with a professional who builds your plan and stays with you until you're in your home.

Apply now