Fix Your Own Credit With Our
Free Dispute Scanner AI
Upload your credit report and let our AI automatically find every negative item, error, and violation. Instantly generate Metro 2® and FCRA compliant dispute letters to force bureaus to remove inaccurate data.
Everything You Need to Restore Your Credit
No expensive monthly fees. Take control of your financial future using the same AI and laws that the professionals use.
AI Dispute Scanner
Upload your report and let AI find every error, violation, and negative item automatically in seconds.
Scan ReportMetro 2® Letters
Generate legally-sound dispute letters that force the bureaus to verify or delete negative items under federal law.
Create Letters100% Free to Use
No monthly fees, no hidden costs. Our AI credit repair software is completely free to help you get back on your feet.
Get Started FreeScanner Access Required
To protect our systems, you must be an approved user to access the AI scanners.
CreditFAX™ AI Blue RingPersonal Funding Scanner
Get AI-Powered Personal Funding & Credit Insights + $1 Reports
Start free with our AI tool — achieve a 97+ Blue Ring™ Score to unlock $50,000 in 24 hours through LightStream (Results may vary), get instant funding insights, and access official 3-bureau credit reports powered by IDIQ for just $1 when needed.
Scanner Access Required
To protect our systems, you must be an approved user to access the AI scanners.
Powered by Metro 2® Compliance
Chief Underwriting Insights
by FixItForADollar
We use the exact same underwriting metrics the banks use when getting people approved. Our AI system lines you up perfectly for funding by ensuring complete Metro 2® compliance. Stop guessing and start getting approved.
Metro 2® Precision
Our AI analyzes your credit profile against strict Metro 2® reporting standards—exactly what banks use to verify fundability.
Bank-Level Logic
Get prioritized evidence bullets, actionable mitigation notes, and an actual underwriter decision before you apply.
Maximum Funding
Line up your profile properly so you can access up to $250k+ in business and personal funding with absolute confidence.
Powered by the AI Blue Ring Scoring System™
Our proprietary AI Blue Ring Scoring System™ analyzes your personal credit profile against hundreds of data points to generate an accurate funding readiness grade. This advanced algorithm goes beyond traditional FICO scores, identifying hidden approvals, exact credit gaps, and the precise steps needed to maximize your personal funding capacity.
100+ Lenders
CreditFAX™ Fund Me Marketplace
Enter your personal profile and instantly see which lenders are most likely to approve you — ranked by match score.
60
Total Matches
58
Best Match
1
Good Fit
60 lenders found
Fundbox
100% Best MatchFunding Range
$1K–$150K
APR / Rate
10–79%
Speed
Next business day
Credit Pull
Soft
Kabbage (Amex)
100% Best MatchFunding Range
$2K–$250K
APR / Rate
9–36%
Speed
Minutes
Credit Pull
Soft
Rapid Finance
100% Best MatchFunding Range
$5K–$1M
APR / Rate
12–99%
Speed
24 hours
Credit Pull
Soft
Biz2Credit
100% Best MatchFunding Range
$25K–$6M
APR / Rate
7–35%
Speed
24–72 hours
Credit Pull
Soft
Lendio
100% Best MatchFunding Range
$500–$5M
APR / Rate
varies
Speed
24–72 hours
Credit Pull
Soft
Torro
100% Best MatchFunding Range
$5K–$250K
APR / Rate
12–60%
Speed
24 hours
Credit Pull
Soft
LoanBuilder (PayPal)
100% Best MatchFunding Range
$5K–$500K
APR / Rate
10–50%
Speed
Same day
Credit Pull
Soft
Expansion Capital Group
100% Best MatchFunding Range
$5K–$1M
APR / Rate
15–99%
Speed
24 hours
Credit Pull
Soft
Accion Opportunity Fund
100% Best MatchFunding Range
$300–$250K
APR / Rate
8–24%
Speed
1–2 weeks
Credit Pull
Soft
LiftFund
100% Best MatchFunding Range
$500–$1M
APR / Rate
8–22%
Speed
1–2 weeks
Credit Pull
Soft
Pacific Community Ventures
100% Best MatchFunding Range
$10K–$200K
APR / Rate
7–15%
Speed
2–4 weeks
Credit Pull
Soft
DreamSpring
100% Best MatchFunding Range
$1K–$2M
APR / Rate
7–24%
Speed
1–2 weeks
Credit Pull
Soft
Opportunity Fund
100% Best MatchFunding Range
$2,600–$250K
APR / Rate
8–20%
Speed
1–2 weeks
Credit Pull
Soft
Community Reinvestment Fund USA
100% Best MatchFunding Range
$5K–$5M
APR / Rate
7–20%
Speed
1–3 weeks
Credit Pull
Soft
PeopleFund
100% Best MatchFunding Range
$1K–$350K
APR / Rate
7–18%
Speed
1–2 weeks
Credit Pull
Soft
Taycor Financial
100% Best MatchFunding Range
$500–$2M
APR / Rate
5–25%
Speed
Same day
Credit Pull
Soft
TimePayment
100% Best MatchFunding Range
$1K–$500K
APR / Rate
8–40%
Speed
Same day
Credit Pull
Soft
LEAF Commercial Capital
100% Best MatchFunding Range
$1K–$1M
APR / Rate
5–30%
Speed
Same day
Credit Pull
Soft
National Business Capital
100% Best MatchFunding Range
$10K–$5M
APR / Rate
8–60%
Speed
24 hours
Credit Pull
Soft
RTS Financial
100% Best MatchFunding Range
$1K–$10M
APR / Rate
1–5% per invoice
Speed
Same day
Credit Pull
None
Triumph Business Capital
100% Best MatchFunding Range
$1K–$20M
APR / Rate
1–5% per invoice
Speed
Same day
Credit Pull
None
Factor Funding Co.
100% Best MatchFunding Range
$10K–$5M
APR / Rate
0.69–3% per 30 days
Speed
2–5 days
Credit Pull
None
Apex Capital Corp
100% Best MatchFunding Range
$1K–$5M
APR / Rate
2–5% per invoice
Speed
Same day
Credit Pull
None
Forward Financing
100% Best MatchFunding Range
$5K–$300K
APR / Rate
factor 1.2–1.45
Speed
Same day
Credit Pull
Soft
CAN Capital
100% Best MatchFunding Range
$2.5K–$250K
APR / Rate
factor 1.18–1.40
Speed
24 hours
Credit Pull
Soft
United Capital Source
100% Best MatchFunding Range
$5K–$5M
APR / Rate
varies
Speed
Same day
Credit Pull
Soft
Reliant Funding
100% Best MatchFunding Range
$5K–$400K
APR / Rate
factor 1.2–1.45
Speed
Same day
Credit Pull
Soft
Greenbox Capital
100% Best MatchFunding Range
$3K–$500K
APR / Rate
factor 1.15–1.48
Speed
Same day
Credit Pull
Soft
Everest Business Funding
100% Best MatchFunding Range
$5K–$250K
APR / Rate
factor 1.18–1.45
Speed
Same day
Credit Pull
Soft
Merchant Funding Services
100% Best MatchFunding Range
$2K–$250K
APR / Rate
factor 1.2–1.5
Speed
Same day
Credit Pull
Soft
365 Business Finance
100% Best MatchFunding Range
$5K–$500K
APR / Rate
factor 1.15–1.45
Speed
Same day
Credit Pull
Soft
Nav Business Financing
100% Best MatchFunding Range
Varies
APR / Rate
varies
Speed
Instant match
Credit Pull
Soft
Brex
100% Best MatchFunding Range
$1K–$5M
APR / Rate
0% (charge card)
Speed
Minutes
Credit Pull
None
Ramp
100% Best MatchFunding Range
Up to $500K
APR / Rate
0% (charge card)
Speed
Minutes
Credit Pull
None
Divvy (BILL)
100% Best MatchFunding Range
$500–$15M
APR / Rate
0–20%
Speed
Minutes
Credit Pull
Soft
BILL
100% Best MatchFunding Range
$5K–$5M
APR / Rate
12–35%
Speed
Same day
Credit Pull
Soft
Tillful
100% Best MatchFunding Range
Up to $50K
APR / Rate
0% intro / variable
Speed
Minutes
Credit Pull
None
Stripe Capital
100% Best MatchFunding Range
$500–$2M
APR / Rate
factor 1.1–1.16
Speed
Same day
Credit Pull
None
Shopify Capital
100% Best MatchFunding Range
$200–$2M
APR / Rate
factor 1.1–1.16
Speed
Same day
Credit Pull
None
Amazon Lending
100% Best MatchFunding Range
$1K–$750K
APR / Rate
6–17%
Speed
Instant
Credit Pull
None
PayPal Working Capital
100% Best MatchFunding Range
$1K–$300K
APR / Rate
factor 1.01–1.5
Speed
Minutes
Credit Pull
None
National Funding
95% Best MatchFunding Range
$5K–$500K
APR / Rate
10–79%
Speed
24 hours
Credit Pull
Soft
Breakout Capital
95% Best MatchFunding Range
$10K–$250K
APR / Rate
12–60%
Speed
24 hours
Credit Pull
Soft
altLINE
95% Best MatchFunding Range
$30K–$5M
APR / Rate
0.5–3% per 30 days
Speed
2–5 days
Credit Pull
Soft
Clearco
95% Best MatchFunding Range
$10K–$10M
APR / Rate
6–12% flat fee
Speed
48 hours
Credit Pull
None
Pipe
95% Best MatchFunding Range
$10K–$10M
APR / Rate
flat fee varies
Speed
48 hours
Credit Pull
None
Capchase
95% Best MatchFunding Range
$10K–$10M
APR / Rate
6–18%
Speed
48 hours
Credit Pull
None
FundThrough
95% Best MatchFunding Range
$500–$15M
APR / Rate
2.5–12% flat fee
Speed
Same day
Credit Pull
Soft
Settle
95% Best MatchFunding Range
$1K–$5M
APR / Rate
flat fee
Speed
24 hours
Credit Pull
Soft
Uncapped
95% Best MatchFunding Range
$10K–$10M
APR / Rate
0–6% flat fee
Speed
48 hours
Credit Pull
None
Arc Technologies
95% Best MatchFunding Range
$10K–$5M
APR / Rate
1–5% flat fee
Speed
48 hours
Credit Pull
None
OnDeck
90% Best MatchFunding Range
$5K–$250K
APR / Rate
25–99%
Speed
Same day
Credit Pull
Soft
Headway Capital
90% Best MatchFunding Range
$5K–$100K
APR / Rate
15–50%
Speed
Same day
Credit Pull
Soft
Pursuit Lending
90% Best MatchFunding Range
$10K–$5.5M
APR / Rate
6–18%
Speed
1–3 weeks
Credit Pull
Soft
Ascentium Capital
90% Best MatchFunding Range
$5K–$2M
APR / Rate
4–25%
Speed
Same day
Credit Pull
Soft
Canon Financial Services
90% Best MatchFunding Range
$1K–$2M
APR / Rate
4–20%
Speed
Same day
Credit Pull
Soft
Commercial Fleet Financing
85% Best MatchFunding Range
$5K–$5M
APR / Rate
5–25%
Speed
Same day
Credit Pull
Soft
Balboa Capital
80% Best MatchFunding Range
$10K–$2M
APR / Rate
5–30%
Speed
Same day
Credit Pull
Soft
Fundation
65% High ApprovalFunding Range
$20K–$500K
APR / Rate
8–30%
Speed
2–5 days
Credit Pull
Soft
Capital One Business
60% Good FitFunding Range
$5K–$500K
APR / Rate
10–29%
Speed
3–7 days
Credit Pull
Hard
Match scores are estimates based on your stated profile. Lender requirements may change. Always confirm eligibility directly with the lender. Funding approval is not guaranteed.
Simple Process
How It Works
Four steps to unlock your best funding options
Order Your Report
Get your full 3-bureau credit report for just $1 through our secure partner IdentityIQ.
Get Report — $1 →Upload Your Report
Upload your credit report PDF. Our system securely processes all three bureau data.
AI Analyzes Profile
Our AI scans your credit data and matches you with lenders most likely to approve you.
Get Funding Offers
View personalized funding options with approval rates. Apply directly with one click.
Funding Types
Matched to Your Personal Profile
Our AI matches your personal credit profile across six major funding categories
Credit Cards
Rewards, cashback & balance transfer cards matched to your score.
Mortgages
Home loans, refinancing & first-time buyer programs.
Vehicle Loans
Auto financing with flexible terms and competitive APRs.
Business Credit
SBA loans, EIN-based credit & government-backed funding.
Personal Loans
$50,000 in 24 hours through LightStream (Results may vary) with a 97+ Blue Ring™ Score.
Federal Programs
FHA, VA, USDA and government-backed lending programs.
Real Results
Clients Getting Funded
From $20,000 in personal credit cards to $175,000 in home loans — real people, real approvals. (Results may vary depending on credit profile)
"Uploaded my report and within minutes had a list of lenders I actually qualified for. Ended up with a $250K business line of credit. Game changer."
Marcus T.
Atlanta, GA
"Got approved for an $85K SBA loan and a car note the same week. The approval percentages were spot on — every lender said yes."
Latoya R.
Houston, TX
"Walked away with three new credit cards totaling $30K. Chase Sapphire, Capital One Venture, and a Lowe's card. All approved same day."
James K.
Chicago, IL
"Didn't think I'd qualify for a mortgage. AI matched me with an FHA lender — pre-approved for $175K in 48 hours. Closing next month!"
Priya M.
Dallas, TX
"Came in with a 620 score and walked out with $20K in new credit. Only matched with lenders that actually said yes."
DeShawn W.
Miami, FL
"Got a $45K truck loan and $75K in business credit cards. The bureau breakdown per lender was something I'd never seen before."
Carmen L.
Phoenix, AZ
4,800+ clients matched with funding this year
Know Your Credit
How to Build a Fundable Credit Profile
Everything you need to maximize your approval rates and credit limits.
Our Network
100+ Trusted Funding Partners
Covering every credit tier, funding type, and business stage across our network of 100+ vetted partners.
LightStream
Bluevine
Best Egg
OnDeck
Fundbox
LendingClub
Credibly
National Funding
Fora Financial
Rapid Finance
PayPal Working Capital
American Express Business Blueprint
Nav Financing
Biz2Credit
Lendio
Headway Capital
Backd
SMB Compass
Taycor Financial
Expansion Capital Group
Funding Circle
Kapitus
Clarify Capital
Uplyft Capital
Celtic Bank
Trusted Partners
Official Integrations
Improve Your Credit With
FixItForADollar™ AU Tradeline Scanner
Instantly boost your credit score and funding readiness by piggybacking on aged, high-limit credit cards. Our AI matches your exact credit gaps with the perfect inventory.
Your Projected Score
782
Powered by Metro 2® Compliance
Chief Underwriting Insights
by FixItForADollar
We use the exact same underwriting metrics the banks use when getting people approved. Our AI system lines you up perfectly for funding by ensuring complete Metro 2® compliance. Stop guessing and start getting approved.
Metro 2® Precision
Our AI analyzes your credit profile against strict Metro 2® reporting standards—exactly what banks use to verify fundability.
Bank-Level Logic
Get prioritized evidence bullets, actionable mitigation notes, and an actual underwriter decision before you apply.
Maximum Funding
Line up your profile properly so you can access up to $250k+ in business and personal funding with absolute confidence.
How It Works
Four Simple Steps to Better Credit
📄 Upload Your Report
Upload a copy of your credit report from any bureau. Our system accepts PDF and image formats.
Order Reports for $1 →🤖🟢 AI Analyzes It
Our AI engine scans every detail — payment history, utilization, age of accounts, and more.
🎯 Get Recommendations
Receive a personalized list of authorized user tradelines that will have the highest impact on your score.
📈 Watch Your Score Rise
Purchase the recommended tradelines. Our goal is to help you achieve a 100+ point increase within 30–60 days.
⭐ Success Stories
🎉 Real People, Real Results
"I was skeptical at first, but the perfect tradelines were recommended for my situation. My score jumped 172 points in just 45 days. I was finally able to get approved for a business loan."
Marcus Johnson
Small Business Owner
"The AI analysis was incredibly detailed. It found issues I didn't even know I had and recommended tradelines that addressed each one. My score went up 133 points and I closed on my investment property!"
Sarah Williams
Real Estate Investor
"From 580 to 721 in under two months. I went from being denied for a mortgage to getting a great rate. Life-changing!"
David Chen
First-Time Home Buyer
"The process was so easy — upload my report, get recommendations, and buy the tradelines. My score jumped 135 points and I now have access to credit I never had before."
Lisa Rodriguez
Entrepreneur
"158 point increase — I couldn't believe it. The recommended tradelines worked perfectly for my situation. Now I'm financing my own truck!"
James Mitchell
Truck Driver
"The AI analysis showed me things about my credit report I never understood before. 144 points up — now I'm buying my first home!"
Keisha Brown
Nurse
FAQ
Common Questions
Blog
Credit Insights
How Authorized User Tradelines Can Boost Your Credit Score by 100+ Points
Apr 25, 2026
The Ultimate Guide to Understanding Your Credit Report
Apr 20, 2026
5 Credit Myths That Are Keeping Your Score Low
Apr 15, 2026
Recommended Credit Services
While your disputes are being processed, start building positive credit history with these trusted services.
Rent Reporters
Rent ReportingReport your rent payments to credit bureaus and boost your score by up to 40 points.
Ava Credit
Credit BuilderA credit builder card designed to help you establish and grow your credit. No credit check required.
Kovo Credit
Credit BuildingBuild credit while learning new skills. Kovo reports your payments to all three bureaus.
Kikoff
Credit LineA $750 revolving credit line that reports to all major bureaus. No interest, no fees, no hard check.
Self Lender
Credit Builder LoanBuild credit and savings at the same time with a credit builder account.
Experian Boost
Utility ReportingInstantly add utility, phone, and streaming payments to your Experian credit file. Free.
eCredable Lift
Bill ReportingReport your electric, gas, water, phone, and internet bills to TransUnion.
Grow Credit
Subscription ReportingA free Mastercard that pays your subscriptions and reports those payments to all 3 bureaus.
Rental Kharma
Rent ReportingAdd up to 2 years of past rent history to your credit report.
Brigit
Credit BuilderA credit-building subscription that reports monthly payments to all 3 bureaus.
Extra Debit Card
Debit TradelineThe only debit card that builds credit. Spend with your own money and Extra reports it as a tradeline.
Credit Strong
Revolving BuilderA revolving credit builder account that reports to all 3 bureaus. No upfront deposit.
Pro Tip
Adding 2–3 positive tradelines while simultaneously disputing negative items can accelerate your credit score improvement. Many clients see the best results when they combine both strategies.
Our Network
100+ Trusted Funding Partners
Covering every credit tier, funding type, and business stage across our network of 100+ vetted partners.
LightStream
Bluevine
Best Egg
OnDeck
Fundbox
LendingClub
Credibly
National Funding
Fora Financial
Rapid Finance
PayPal Working Capital
American Express Business Blueprint
Nav Financing
Biz2Credit
Lendio
Headway Capital
Backd
SMB Compass
Taycor Financial
Expansion Capital Group
Funding Circle
Kapitus
Clarify Capital
Uplyft Capital
Celtic Bank
Trusted Partners
Official Integrations
The Blue Ring Score
Your journey to the ultimate funding tier begins here. Secure up to $100,000 in Personal Funding and $250,000+ in Business Funding by hitting the Blue Ring Score.
Fix It For $1 &
Get Your Blue Ring Score.
Upload your credit report, build out your profile securely, and monitor your AI-driven dispute process in real-time.
Self-Serve Upload
Securely upload your $1 IdentityIQ report for instant AI analysis.
Bank-Level Security
Your data is encrypted and vaulted within your personal dashboard.
Live Analytics
Monitor score improvements and dispute status in real-time.
Free Access
Standard entry is completely free until Father's Day 2026.
🎉 FREE PORTAL ACCESS FOR LIFE
Portal Access
Enter your details to create or access your profile automatically.
Scanner Access Required
To protect our systems, you must be an approved user to access the AI scanners.
Scanner Access Required
To protect our systems, you must be an approved user to access the AI scanners.
Done-For-You Funding
Provide your details and documents below. Let our experts build your profile and secure the capital you deserve.
Scanner Access Required
To protect our systems, you must be an approved user to access the AI scanners.
CreditFAX™Primary Tradeline Scanner& Marketplace
Explore 100+ credit-building services, rent reporting tools, secured cards, and primary tradeline providers.
Scanner Access Required
To protect our systems, you must be an approved user to access the AI scanners.
Showing 100 of 100 services
Rent Reporters
🏠 Rent ReportingReport your rent payments to credit bureaus. Boost score by up to 40 points.
Ava Credit
💳 Credit Builder CardCredit builder card — no credit check required. Build credit from scratch.
Kovo Credit
📈 Credit BuildingBuild credit while learning new skills. Reports to all three bureaus.
Kikoff
💰 Credit Line$750 revolving credit line reporting to all bureaus. No interest, no fees.
Self Lender
🏦 Credit Builder LoanBuild credit and savings simultaneously with a credit builder account.
Experian Boost
⚡ Utility ReportingAdd utility, phone, and streaming payments to Experian file. Free.
eCredable Lift
📋 Bill ReportingReport electric, gas, water, phone, and internet bills to TransUnion.
Grow Credit
🔄 Subscription ReportingFree Mastercard that pays subscriptions and reports to all 3 bureaus.
Rental Kharma
🏠 Rent ReportingAdd up to 2 years of past rent history to your credit report.
Brigit
🌱 Credit BuilderCredit-building subscription reporting monthly payments to all 3 bureaus.
Extra Debit Card
💵 Debit TradelineThe only debit card that builds credit. Spend your own money and build.
Credit Strong
♻️ Revolving BuilderRevolving credit builder account reporting to all 3 bureaus. No deposit.
Chime Credit Builder
🔒 Secured CardSecured credit card from Chime for building credit history.
OpenSky Secured Card
🔒 Secured CardSecured credit card with no credit check. Reports to all bureaus.
Deserve Secured Card
🔒 Secured CardSecured card designed for immigrants and credit builders.
Petal Card
💳 Credit CardNo annual fee credit card for credit builders. No security deposit.
SelfWealth
📊 Investment CreditBuild credit while investing. Micro-investment credit building.
Reflex
🔒 Secured CardSecured card with real-time payment updates and credit education.
MoneyLion
🏛️ Financial PlatformFinancial wellness platform with credit building features.
LendingClub Credit Builder
🏦 Credit Builder LoanPersonal loans designed to help build credit with secured funding.
Mission Lane
💳 Credit Builder CardCredit building for unbanked and underbanked populations.
NetCredit Builder
📅 Installment LoanInstallmentLoan that reports to all three bureaus.
Best Egg
🤝 Personal LoanPersonal loan for credit building and debt consolidation.
Elevate Credit
🌱 Credit BuilderDigital credit building platform with flexible lending options.
Oportun
📅 Installment LoanOnline installment loans with credit reporting to all bureaus.
OppFi
📅 Installment LoanQuick installment loans reporting to credit bureaus.
Upgrade
🤝 Personal LoanPersonal loans with credit monitoring and building features.
SoFi
🤝 Personal LoanStudent loan refinancing and personal loans with credit building.
Marcus by Goldman Sachs
🤝 Personal LoanPersonal loans for credit consolidation and building.
LightStream
🤝 Personal LoanFast personal loans for various needs with flexible terms.
Avant
🤝 Personal LoanLoans for credit building starting from 580 credit score.
Earnin
💸 Wage AccessEarned wage access with optional credit building features.
Current
📱 Mobile BankingMobile banking with credit-building options and reporting.
Varo
🌐 Digital BankingDigital banking with credit building features and rewards.
Chime SpotMe
🏦 Bank FeaturesOverdraft protection and credit features through Chime.
Dave
⚡ Cash AdvanceApp that helps with cash advances and credit building.
Possible Finance
🤝 Personal LoanResponsible loans that build credit with transparent terms.
CURO Group
🤝 Personal LoanPersonal loans designed for credit building and improvement.
LendingPoint
🤝 Personal LoanOnline loans for people building or rebuilding credit.
MoneyMe
🤝 Personal LoanQuick loans reporting to credit agencies.
WeFinance
🤝 Personal LoanOnline personal loans building credit history.
Zopa
🔗 P2P LendingPeer-to-peer lending building credit through transparent lending.
Prosper
🔗 P2P LendingPeer lending platform that reports to credit bureaus.
Upstart
🤝 Personal LoanAI-powered loans for credit building with flexible terms.
Fundbox
💰 Credit LineOnline credit line for self-employed and business owners.
Stripe Capital
💼 Business CreditBusiness credit line for online merchants.
Square Loans
💼 Business CreditBusiness financing for Square merchants and businesses.
Kabbage
💼 Business CreditSmall business funding with flexible credit options.
OnDeck
💼 Business CreditSmall business loans and lines of credit reporting to bureaus.
Lendio
💼 Business CreditMarketplace for small business loans and credit building.
Nav
💼 Business CreditBusiness credit building and monitoring platform.
Paypal Working Capital
💼 Business CreditAdvances for online sellers building business credit.
Fairway Finance
🤝 Personal LoanPersonal and business loans for credit building.
CashNetUSA
🤝 Personal LoanFast online loans with credit reporting.
MoneyKey
📅 Installment LoanOnline installment loans building credit quickly.
Check Into Cash
📅 Installment LoanPayday and installment loans with credit reporting.
Enova
🧰 Credit ProductsOnline credit products for credit building.
Atlanticus
🧰 Credit ProductsCredit products and services for credit building.
CURO Lending
🤝 Personal LoanDirect lending for credit building and improvement.
MoneyLoan
🤝 Personal LoanOnline personal loans with credit reporting.
LoanDepot
🤝 Personal LoanPersonal and mortgage loans for credit building.
Guaranteed Rate
🤝 Personal LoanPersonal loans and mortgages with credit building.
CrossCountry Mortgage
🏡 MortgageMortgages and loans for credit building.
Blend Labs
🏛️ Financial PlatformFinancial services platform for credit products.
Better.com
🏡 MortgageOnline mortgages and personal loans for credit building.
SoFi Home
🏡 MortgageMortgages with credit building and financial perks.
Quicken Loans
🏡 MortgageMortgages and personal loans with credit optimization.
AmeriSave
🏡 MortgageMortgages and refinancing for credit building.
Better Mortgage
🏡 MortgageDigital mortgages designed for credit building.
Buyersmith
🏡 MortgageMortgage marketplace for credit optimization.
Vestory
🏡 MortgageResidential mortgage platform with credit features.
FinanceGPO
💼 Business CreditFleet financing for business credit building.
Root Insurance
🛡️ InsuranceInsurance products with credit and payment reporting.
Experian CreditWorks
👁️ Credit MonitoringCredit monitoring with credit building features.
Equifax Credit Boost
👁️ Credit MonitoringCredit building and monitoring through Equifax.
TransUnion Credit Monitoring
👁️ Credit MonitoringCredit monitoring and building through TransUnion.
Credit Karma
👁️ Credit MonitoringFree credit monitoring and building recommendations.
Credit Sesame
👁️ Credit MonitoringFree credit monitoring with building tools.
AnnualCreditReport
📄 Credit ReportFree credit reports — federally mandated access.
NerdWallet
⚖️ Financial ComparisonCredit cards and products for building credit.
The Points Guy
🎓 Financial EducationCredit card recommendations for maximizing credit building.
Bankrate
⚖️ Financial ComparisonCompare loans and credit products for building.
LendingTree
🏪 Loan MarketplaceLoan comparison marketplace for credit building.
Credible
🏪 Loan MarketplacePersonal loan marketplace for credit builders.
Monevo
🏪 Loan MarketplaceLoan comparison for Australian credit building.
RateSetter
🔗 P2P LendingP2P lending platform for credit building.
Funding Circle
💼 Business CreditSmall business lending for business credit building.
Clearco
💼 Business CreditRevenue-based financing for business credit.
Brex
🏢 Business Credit CardBusiness credit cards and loans for entrepreneurs.
American Express
💳 Credit CardPremium credit cards for credit building and optimization.
Discover
💳 Credit CardCredit cards designed for credit building.
Capital One
💳 Credit CardSecured cards and credit building products.
Chase
💳 Credit CardVarious credit cards for credit building and rewards.
Bank of America
💳 Credit CardCredit cards and loans for credit building.
Wells Fargo
💳 Credit CardCredit products for credit building.
Citi
💳 Credit CardSecured and credit building cards.
Credit One Bank
🔒 Secured CardSecured credit card for credit building.
Milestone
🔒 Secured CardSecured credit card with rewards for building credit.
Indigo Platinum
🔒 Secured CardSecured card designed for credit building.
First Premiere
🔒 Secured CardSecured credit card for building credit history.
How to Use This Directory
🏠 Start with rent reporting or a secured card to establish history. 📈 Gradually add installment loans as your score improves. 💼 Graduate to business credit once your personal profile is strong. All services listed report to at least one major credit bureau.
CreditFAX™Primary Tradeline Scanner& Marketplace
Explore 100+ credit-building services, rent reporting tools, secured cards, and primary tradeline providers.
Scanner Access Required
To protect our systems, you must be an approved user to access the AI scanners.
Showing 100 of 100 services
Rent Reporters
🏠 Rent ReportingReport your rent payments to credit bureaus. Boost score by up to 40 points.
Ava Credit
💳 Credit Builder CardCredit builder card — no credit check required. Build credit from scratch.
Kovo Credit
📈 Credit BuildingBuild credit while learning new skills. Reports to all three bureaus.
Kikoff
💰 Credit Line$750 revolving credit line reporting to all bureaus. No interest, no fees.
Self Lender
🏦 Credit Builder LoanBuild credit and savings simultaneously with a credit builder account.
Experian Boost
⚡ Utility ReportingAdd utility, phone, and streaming payments to Experian file. Free.
eCredable Lift
📋 Bill ReportingReport electric, gas, water, phone, and internet bills to TransUnion.
Grow Credit
🔄 Subscription ReportingFree Mastercard that pays subscriptions and reports to all 3 bureaus.
Rental Kharma
🏠 Rent ReportingAdd up to 2 years of past rent history to your credit report.
Brigit
🌱 Credit BuilderCredit-building subscription reporting monthly payments to all 3 bureaus.
Extra Debit Card
💵 Debit TradelineThe only debit card that builds credit. Spend your own money and build.
Credit Strong
♻️ Revolving BuilderRevolving credit builder account reporting to all 3 bureaus. No deposit.
Chime Credit Builder
🔒 Secured CardSecured credit card from Chime for building credit history.
OpenSky Secured Card
🔒 Secured CardSecured credit card with no credit check. Reports to all bureaus.
Deserve Secured Card
🔒 Secured CardSecured card designed for immigrants and credit builders.
Petal Card
💳 Credit CardNo annual fee credit card for credit builders. No security deposit.
SelfWealth
📊 Investment CreditBuild credit while investing. Micro-investment credit building.
Reflex
🔒 Secured CardSecured card with real-time payment updates and credit education.
MoneyLion
🏛️ Financial PlatformFinancial wellness platform with credit building features.
LendingClub Credit Builder
🏦 Credit Builder LoanPersonal loans designed to help build credit with secured funding.
Mission Lane
💳 Credit Builder CardCredit building for unbanked and underbanked populations.
NetCredit Builder
📅 Installment LoanInstallmentLoan that reports to all three bureaus.
Best Egg
🤝 Personal LoanPersonal loan for credit building and debt consolidation.
Elevate Credit
🌱 Credit BuilderDigital credit building platform with flexible lending options.
Oportun
📅 Installment LoanOnline installment loans with credit reporting to all bureaus.
OppFi
📅 Installment LoanQuick installment loans reporting to credit bureaus.
Upgrade
🤝 Personal LoanPersonal loans with credit monitoring and building features.
SoFi
🤝 Personal LoanStudent loan refinancing and personal loans with credit building.
Marcus by Goldman Sachs
🤝 Personal LoanPersonal loans for credit consolidation and building.
LightStream
🤝 Personal LoanFast personal loans for various needs with flexible terms.
Avant
🤝 Personal LoanLoans for credit building starting from 580 credit score.
Earnin
💸 Wage AccessEarned wage access with optional credit building features.
Current
📱 Mobile BankingMobile banking with credit-building options and reporting.
Varo
🌐 Digital BankingDigital banking with credit building features and rewards.
Chime SpotMe
🏦 Bank FeaturesOverdraft protection and credit features through Chime.
Dave
⚡ Cash AdvanceApp that helps with cash advances and credit building.
Possible Finance
🤝 Personal LoanResponsible loans that build credit with transparent terms.
CURO Group
🤝 Personal LoanPersonal loans designed for credit building and improvement.
LendingPoint
🤝 Personal LoanOnline loans for people building or rebuilding credit.
MoneyMe
🤝 Personal LoanQuick loans reporting to credit agencies.
WeFinance
🤝 Personal LoanOnline personal loans building credit history.
Zopa
🔗 P2P LendingPeer-to-peer lending building credit through transparent lending.
Prosper
🔗 P2P LendingPeer lending platform that reports to credit bureaus.
Upstart
🤝 Personal LoanAI-powered loans for credit building with flexible terms.
Fundbox
💰 Credit LineOnline credit line for self-employed and business owners.
Stripe Capital
💼 Business CreditBusiness credit line for online merchants.
Square Loans
💼 Business CreditBusiness financing for Square merchants and businesses.
Kabbage
💼 Business CreditSmall business funding with flexible credit options.
OnDeck
💼 Business CreditSmall business loans and lines of credit reporting to bureaus.
Lendio
💼 Business CreditMarketplace for small business loans and credit building.
Nav
💼 Business CreditBusiness credit building and monitoring platform.
Paypal Working Capital
💼 Business CreditAdvances for online sellers building business credit.
Fairway Finance
🤝 Personal LoanPersonal and business loans for credit building.
CashNetUSA
🤝 Personal LoanFast online loans with credit reporting.
MoneyKey
📅 Installment LoanOnline installment loans building credit quickly.
Check Into Cash
📅 Installment LoanPayday and installment loans with credit reporting.
Enova
🧰 Credit ProductsOnline credit products for credit building.
Atlanticus
🧰 Credit ProductsCredit products and services for credit building.
CURO Lending
🤝 Personal LoanDirect lending for credit building and improvement.
MoneyLoan
🤝 Personal LoanOnline personal loans with credit reporting.
LoanDepot
🤝 Personal LoanPersonal and mortgage loans for credit building.
Guaranteed Rate
🤝 Personal LoanPersonal loans and mortgages with credit building.
CrossCountry Mortgage
🏡 MortgageMortgages and loans for credit building.
Blend Labs
🏛️ Financial PlatformFinancial services platform for credit products.
Better.com
🏡 MortgageOnline mortgages and personal loans for credit building.
SoFi Home
🏡 MortgageMortgages with credit building and financial perks.
Quicken Loans
🏡 MortgageMortgages and personal loans with credit optimization.
AmeriSave
🏡 MortgageMortgages and refinancing for credit building.
Better Mortgage
🏡 MortgageDigital mortgages designed for credit building.
Buyersmith
🏡 MortgageMortgage marketplace for credit optimization.
Vestory
🏡 MortgageResidential mortgage platform with credit features.
FinanceGPO
💼 Business CreditFleet financing for business credit building.
Root Insurance
🛡️ InsuranceInsurance products with credit and payment reporting.
Experian CreditWorks
👁️ Credit MonitoringCredit monitoring with credit building features.
Equifax Credit Boost
👁️ Credit MonitoringCredit building and monitoring through Equifax.
TransUnion Credit Monitoring
👁️ Credit MonitoringCredit monitoring and building through TransUnion.
Credit Karma
👁️ Credit MonitoringFree credit monitoring and building recommendations.
Credit Sesame
👁️ Credit MonitoringFree credit monitoring with building tools.
AnnualCreditReport
📄 Credit ReportFree credit reports — federally mandated access.
NerdWallet
⚖️ Financial ComparisonCredit cards and products for building credit.
The Points Guy
🎓 Financial EducationCredit card recommendations for maximizing credit building.
Bankrate
⚖️ Financial ComparisonCompare loans and credit products for building.
LendingTree
🏪 Loan MarketplaceLoan comparison marketplace for credit building.
Credible
🏪 Loan MarketplacePersonal loan marketplace for credit builders.
Monevo
🏪 Loan MarketplaceLoan comparison for Australian credit building.
RateSetter
🔗 P2P LendingP2P lending platform for credit building.
Funding Circle
💼 Business CreditSmall business lending for business credit building.
Clearco
💼 Business CreditRevenue-based financing for business credit.
Brex
🏢 Business Credit CardBusiness credit cards and loans for entrepreneurs.
American Express
💳 Credit CardPremium credit cards for credit building and optimization.
Discover
💳 Credit CardCredit cards designed for credit building.
Capital One
💳 Credit CardSecured cards and credit building products.
Chase
💳 Credit CardVarious credit cards for credit building and rewards.
Bank of America
💳 Credit CardCredit cards and loans for credit building.
Wells Fargo
💳 Credit CardCredit products for credit building.
Citi
💳 Credit CardSecured and credit building cards.
Credit One Bank
🔒 Secured CardSecured credit card for credit building.
Milestone
🔒 Secured CardSecured credit card with rewards for building credit.
Indigo Platinum
🔒 Secured CardSecured card designed for credit building.
First Premiere
🔒 Secured CardSecured credit card for building credit history.
How to Use This Directory
🏠 Start with rent reporting or a secured card to establish history. 📈 Gradually add installment loans as your score improves. 💼 Graduate to business credit once your personal profile is strong. All services listed report to at least one major credit bureau.
Are You Ready For Funding?
One simple $1 report from IDIQ will show you if you are ready for $50K+ in funding. The instant decision is based on our underwriting technology ONLY but uses Metro 2 compliance to ensure you're Ready For Funding, and tells you if you're genuinely likely to get preapproved from any of our lenders in our inventory.
How The Approval Process Works
We've demystified standard business funding regulations into a simple, automated AI process.
1. Pull Your $1 Report
Securely import your official credit data from IDIQ for just $1, covering all 3 major bureaus.
2. Underwriter AI Scan
Our technology scans your profile structure, utilization, and payment history against live banking regulations.
3. Instant Decision
Get an immediate Approved/Declined status for $50K+ along with an actionable roadmap if you need improvements.
What Lenders Look For
Standard Business Funding Regulations
Our AI analyzes your exact profile against these precise metrics to determine if you are ready for $50K+ in capital right now.
Check My Profile StructureImprove Your Credit With
FixItForADollar™ AU Tradeline Scanner
Instantly boost your credit score and funding readiness by piggybacking on aged, high-limit credit cards. Our AI matches your exact credit gaps with the perfect inventory.
Your Projected Score
782
Powered by Metro 2® Compliance
Chief Underwriting Insights
by FixItForADollar
We use the exact same underwriting metrics the banks use when getting people approved. Our AI system lines you up perfectly for funding by ensuring complete Metro 2® compliance. Stop guessing and start getting approved.
Metro 2® Precision
Our AI analyzes your credit profile against strict Metro 2® reporting standards—exactly what banks use to verify fundability.
Bank-Level Logic
Get prioritized evidence bullets, actionable mitigation notes, and an actual underwriter decision before you apply.
Maximum Funding
Line up your profile properly so you can access up to $250k+ in business and personal funding with absolute confidence.
How It Works
Four Simple Steps to Better Credit
📄 Upload Your Report
Upload a copy of your credit report from any bureau. Our system accepts PDF and image formats.
Order Reports for $1 →🤖🟢 AI Analyzes It
Our AI engine scans every detail — payment history, utilization, age of accounts, and more.
🎯 Get Recommendations
Receive a personalized list of authorized user tradelines that will have the highest impact on your score.
📈 Watch Your Score Rise
Purchase the recommended tradelines. Our goal is to help you achieve a 100+ point increase within 30–60 days.
⭐ Success Stories
🎉 Real People, Real Results
"I was skeptical at first, but the perfect tradelines were recommended for my situation. My score jumped 172 points in just 45 days. I was finally able to get approved for a business loan."
Marcus Johnson
Small Business Owner
"The AI analysis was incredibly detailed. It found issues I didn't even know I had and recommended tradelines that addressed each one. My score went up 133 points and I closed on my investment property!"
Sarah Williams
Real Estate Investor
"From 580 to 721 in under two months. I went from being denied for a mortgage to getting a great rate. Life-changing!"
David Chen
First-Time Home Buyer
"The process was so easy — upload my report, get recommendations, and buy the tradelines. My score jumped 135 points and I now have access to credit I never had before."
Lisa Rodriguez
Entrepreneur
"158 point increase — I couldn't believe it. The recommended tradelines worked perfectly for my situation. Now I'm financing my own truck!"
James Mitchell
Truck Driver
"The AI analysis showed me things about my credit report I never understood before. 144 points up — now I'm buying my first home!"
Keisha Brown
Nurse
FAQ
Common Questions
Blog
Credit Insights
How Authorized User Tradelines Can Boost Your Credit Score by 100+ Points
Apr 25, 2026
The Ultimate Guide to Understanding Your Credit Report
Apr 20, 2026
5 Credit Myths That Are Keeping Your Score Low
Apr 15, 2026
Recommended Credit Services
While your disputes are being processed, start building positive credit history with these trusted services.
Rent Reporters
Rent ReportingReport your rent payments to credit bureaus and boost your score by up to 40 points.
Ava Credit
Credit BuilderA credit builder card designed to help you establish and grow your credit. No credit check required.
Kovo Credit
Credit BuildingBuild credit while learning new skills. Kovo reports your payments to all three bureaus.
Kikoff
Credit LineA $750 revolving credit line that reports to all major bureaus. No interest, no fees, no hard check.
Self Lender
Credit Builder LoanBuild credit and savings at the same time with a credit builder account.
Experian Boost
Utility ReportingInstantly add utility, phone, and streaming payments to your Experian credit file. Free.
eCredable Lift
Bill ReportingReport your electric, gas, water, phone, and internet bills to TransUnion.
Grow Credit
Subscription ReportingA free Mastercard that pays your subscriptions and reports those payments to all 3 bureaus.
Rental Kharma
Rent ReportingAdd up to 2 years of past rent history to your credit report.
Brigit
Credit BuilderA credit-building subscription that reports monthly payments to all 3 bureaus.
Extra Debit Card
Debit TradelineThe only debit card that builds credit. Spend with your own money and Extra reports it as a tradeline.
Credit Strong
Revolving BuilderA revolving credit builder account that reports to all 3 bureaus. No upfront deposit.
Pro Tip
Adding 2–3 positive tradelines while simultaneously disputing negative items can accelerate your credit score improvement. Many clients see the best results when they combine both strategies.
Our Network
100+ Trusted Funding Partners
Covering every credit tier, funding type, and business stage across our network of 100+ vetted partners.
LightStream
Bluevine
Best Egg
OnDeck
Fundbox
LendingClub
Credibly
National Funding
Fora Financial
Rapid Finance
PayPal Working Capital
American Express Business Blueprint
Nav Financing
Biz2Credit
Lendio
Headway Capital
Backd
SMB Compass
Taycor Financial
Expansion Capital Group
Funding Circle
Kapitus
Clarify Capital
Uplyft Capital
Celtic Bank
Trusted Partners