7 Surprisingly Simple Moves To Boost Your Credit

Discover the credit builder card that can go toe-to-toe with — a high-yield savings account?!?

The Current Build Card is the only credit-builder card that can go toe-to-toe with a high-yield savings account.¹ <p><b>Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC</b>. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.</p>

You heard that right! You can unlock a rare APY of up to 4.00% (as of 09/25/24)² <p>Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.<br></p> on your savings. This is way higher than the national average for savings accounts of 0.41% (as of 4/21/25) APY.

With no credit check to apply, minimum deposit, or annual fee³ <p>Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.</p> , this card helps you do exactly as it says: build.⁴ <p>Out of network cash withdrawal fees, third-party, and cash load fees may apply.</p> This card virtually allows you to skip steps in wealth building. Here’s what we mean:

• Build credit without paying an annual fee with every swipe.
• Earn points on your purchases without using a credit card.⁵ <p>You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.</p> Earn up to 7X points per dollar spent at over 14,000 participating merchants.
• Collect up to a rare APY of 4.00% (as of 09/25/24) on your savings with Savings Pods. Create up to three pods for whatever you’re saving for.

Throw in the Current feature to get your paycheck up to two days faster with direct deposit and this card becomes simply irresistible.⁶ <p>Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits.</p>

Start building now

See if your credit score is wrong

You could try to fix it yourself, but the process can be time-consuming, and it’s not always easy to know where to start.

Credit Saint could help. They offer a free credit consultation to help you understand your score and get your financial life on the mend. They’ll dive deep into your credit history, fighting damages you disagree with.

If you decide to sign up for their service, they’ll press the creditors who put them there to correct those inaccuracies. Their most popular service, the “clean slate,” offers unlimited challenges to the 3 credit bureaus for $119.99 per month.

They’ll even help you create a plan to build positive credit, hopefully unlocking more financial opportunities for you in as little as 45 days.

If not, Credit Saint offers a 90-day money back guarantee — meaning you could get a full refund if nothing is changed in your credit report.

Get your free credit consultation

Ask these expert attorneys to help fix your credit

Disturbing: A new investigation from Consumer Reports reveals that 34% of Americans have found glaring errors on their credit report … errors that are not their fault.

You can dispute these errors at any time (since they affect your score), but the bigger issue is filing the disputes yourself and actually winning.

While some companies may ignore disputes you submit yourself, they may be more likely to respond to a powerful attorney from Safeport Law who knows exactly what to say and who to talk to.

Request a free consultation with Safeport Law here by providing your name, email address, phone number, and state.⁷ <p>Coleman Legal, LLC dba Safeport Law, and of counsel attorneys. 133 Main St. LaGrange, GA, 30240. Attorney Advertising</p>

Services cost $99.99 per month, plus a one-time $99 initial work fee. You may cancel as soon as you feel your credit is healthy again.

Get help fixing your credit by starting with a free consultation here

BONUS: Get the one budgeting app that truly does it all

Ever look at your bank account and wonder where your paycheck went? *Poof,* it's gone … and you have NO idea how you spent it all so quickly.

A budgeting app like Rocket Money could end this problem for you.

Now, some insider info: They *do* have a free version of the app ... but the real money-saving power is found in their premium subscription.

Select a premium subscription when you sign up, and you’ll unlock features that actually save you the most money possible. Like their “Cancellation Concierge,” which helps to cancel subscriptions for you. (It’s pay-what-you-want for premium, too — as little as $4 a month!)

With your premium subscription, you’ll also be able to create unlimited budgets, see your full credit report, and get automatic “smart savings” that help you grow your savings on autopilot.

Download Rocket Money