If you're looking for different ways to build credit, you might have heard of a credit builder loan.

This guide is part of our series on Tools to Build Credit, which covers different strategies for building your credit. We're going to break down credit builder loans so you can decide if it's the right choice for your financial journey.

Many people are now looking into rent and bill reporting as a way to get credit for the bills they are already paying. But how does it actually work? Is it worth the cost? And are there other ways to build credit that might work better for you?

If you've ever felt like building credit is too hard or too confusing, we might be able to help. We believe everyone deserves a simple, affordable way to build a strong credit history, and that's exactly what Perpay+ is for.⁺

Rebuilding credit can feel overwhelming, but selecting the right credit building tool is the first step toward financial freedom. In this guide, we'll walk through your options and what to look for when choosing one. 

When you're working to build or rebuild your credit, you may have heard about different types of credit cards, like secured and unsecured. Understanding the difference between them is the first step toward a stronger financial future.