The Right Tools to
Build, Rebuild, & Protect Your Credit
We’ve curated the most effective credit-building and credit-monitoring tools for our clients. Each one has been vetted for ease of use, transparency, and the ability to actually move your credit forward, not just track it.
These are the same tools we recommend during our PreApproval Path programs.
Credit Monitoring & Reports
MyFreeScoreNow
Track & Improve Your Credit Like a Pro
All 3 Bureaus in One View – See your Experian, Equifax, and TransUnion scores at a glance.
Client-Friendly Layout – Easy-to-read summary showing what’s helping and hurting your score.
Epic Pro Report – Actionable insights, not just raw data.
Real-Time Alerts – Get notified of changes so you can respond quickly.
Why We Love It:
It’s simple for you, and powerful for us. We can pull your reports instantly from our admin portal and even add personalized notes to guide your next steps.
Hybrid Credit Cards (Installment + Revolving)
Upgrade Cash Rewards Visa
Unlimited 1.5% Cash Back + Predictable Payments
Earn 1.5% back on all purchases.
No annual fee, late fees, or foreign transaction fees.
$200 bonus with a Rewards Checking Preferred account.
Fixed installment payments — no revolving balances, making budgeting easier.
Credit lines from $500 to $25,000.
Upgrade Triple Cash Rewards Visa
Earn More on Essentials
3% cash back on home, auto, and health purchases; 1% on everything else.
No annual fee + $200 bonus with Rewards Checking account.
Soft pull pre-approval.
Fixed installment payments for consistent, on-time credit building.
Upgrade Select Visa
Simple Credit-Building Card
Fixed installment payments, no revolving balance.
Credit limits from $500–$2,000.
Reports to all 3 bureaus.
Secured Credit Cards
Credit Builder Card
No Credit Score Needed
$200 minimum deposit becomes your limit.
No annual fee.
Reports to all 3 bureaus.
Perfect for starting or rebuilding credit without risk of overspending.
Why We Love It:
You deposit funds (for example, $200), which becomes your spending limit. Each purchase draws from your deposit – no additional borrowing involved
On-time payments are reported to credit bureaus to build positive credit history and when you close the account in good standing, your deposit is fully refunded.
Credit Builder Loans
Credit Strong
Build Credit While You Save
No credit check.
Monthly payments are held in a savings account and returned at the end of term.
Adds an installment loan to your credit mix.
Self – Credit Builder Loan
Flexible, Affordable Credit Building
Terms from 12–24 months.
Payments as low as $25/month.
No early payoff penalties.
Self – Secured Credit Card
Revolving Credit Builder
$200 deposit = $200 limit.
No annual fee.
Reports to all 3 bureaus.
Pro Tip:
For the fastest results, combine a credit-builder loan (installment credit) with a secured or hybrid credit card (revolving credit). This builds your credit mix and shows lenders you can handle different types of accounts responsibly.
Contact us today
Send us a message to get answers to any of your questions & we’ll
get back to you within 24-48 hours or as soon as possible.
PreApproval Path
We help turn ‘Not Approved’ into ‘Congratulations’ with a 6-month, step-by-step strategy that blends credit readiness, funding connections, and real-world support.
Quick Links
Company
Copyright 2025. PreApproval Path. All rights reserved.