Build credit for a credit card
Build credit to stop paying higher rates and reach your financial goals.
No interest or upfront deposit
Over 6,000+ Reviews
Don't just take our word for it! Find out what other users are saying:
"I saw my credit score jump by 79 points with Credit Builder—in just the first month! I’d recommend Brigit to any of my friends as an easy way to build credit."
"I was approved instantly! Brigit has helped me establish on-time payment history that will stay on my credit report for the rest of my life. It's an easy, safe, and secure way to build your credit."
"Credit Builder is helping me heal my credit so I can buy my dream house one day. With Brigit, it’s like I have a team of experts right at my fingertips, helping me live a better financial life."
Credit Builder is helping me rebuild my credit so I can work toward owning my dream home. With Brigit, it feels like I have a team of experts by my side, guiding me to a stronger financial future.
STILL NOT SURE?
Frequently Asked Questions
Is there a credit pull to apply?
Brigit does NOT perform a hard credit pull.
We collect some personal information (like name, address, date of birth and SSN) in order to verify your identity, but we do NOT perform a hard credit pull or inquiry, and there is no minimum credit score required to open the account.
How will the Credit Builder account affect my score?
When you first open your Credit Builder account, you might see a small dip in your score. This is normal; it happens whenever new credit accounts are added to your report.
As you start making monthly payments, we report them to the three major credit bureaus which help you show positive payment history and build your credit.
Why should I sign up for Brigit’s Credit Builder account?
Brigit’s Credit Builder account is designed to help you build your credit by showing the credit bureaus positive payment history, the most crucial factor for your score. It also helps you grow your savings, as each payment that you make towards your minimum monthly payment is added to your newly established deposit account at Coastal Community Bank. You can withdraw your savings at any time.
Do you report to all three credit bureaus when building credit with Brigit?
Yes! Your Credit Builder payments and current Credit Builder loan balance are reported to all three bureaus, TransUnion, Experian, and Equifax, every month.
How it works: First, Brigit arranges a credit builder installment loan for you and deposits it into a FDIC insured deposit account with Coastal Community Bank, Member FDIC.
You do not have access to the money from your credit builder installment loan. Brigit reserves the funds for you in the secured deposit account. Brigit reports the credit builder installment loan to the three major credit bureaus (Experian, Equifax and TransUnion).
You decide how much you want to save. Each month you save, Brigit reports to the credit bureaus as if you’re making payments on the reported loan. Plus, every time you save that amount is available for you to access.
At the end of your term, the loan is reported as paid in full and any remaining savings you’ve accumulated throughout the term is accessible to you.
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