Fund
Personal Credit Builder
Personal credit builder is free, do it yourself education in our Funding Journey app. It explains how credit scores work and the habits that help build credit over time, like on time payments and low balances. It is for people with thin credit. We do not charge for personal credit help.
- Free DIY option
- English and Spanish
Every credit service has a free DIY option. Free education only. We do not perform credit repair or charge for personal credit help. See our Credit and Funding Disclosures.
What's included
- How credit scores are calculated
- Habits that support healthy credit
- Overview of common credit building tools
- Personal checklist and milestones
- English and Spanish lessons
How it works
Step 1
Learn
Understand what affects your credit.
Step 2
Assess
Review where your credit stands today.
Step 3
Plan
Pick habits and tools that fit your situation.
Step 4
Track
Follow milestones in the app on your own.
Industries we do this for
Frequently asked questions
More in Fund
Start your funding journey for free
Learn at your own pace in English or Spanish. No cost, no obligation.