Save a little each month.Build a real credit history.
Save $10, $25 or $50 a month in your own account. We check it read-only. Then a local credit union can help you open a small credit-builder loan or a secured card. That is what builds credit. Goal: 640–665 in 12 months. Results vary.
SaveScore costs you $0. Your credit union's loan or card has its own terms, and it shows them to you first.
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What you can count on
- Free for you. Your credit union pays.
- Read-only bank link
- SaveScore never holds your money
- Nothing shared without your OK
Stage 1 of 4: Save
Saving builds your habit. On its own it does not change your score.
Your savings account •••• 4218
Saved this month
$10.00
Read-only link. Your money stays in your account.
Sample screens, sped up.
Made for people starting from no score, or a low one
Start small. Keep your money. Move up one step at a time, at a credit union you can walk into.
How it fits
SaveScore guides you
Read-only. Never holds money.
A credit union lends and reports
Your local, member-owned institution
How SaveScore works
Saving alone does not create a credit record. A loan or card does. So we start with savings, then help you move to the real thing.
- Step 1 • Month 1–3
Save
Set aside your tier each month in your own account. Builds the habit and the deposit.
Does not change your score by itself
- Step 2 • Month 3–4
Open
Open a small credit-builder loan, or a secured card once $200 is saved.
Your credit union runs the application
- Step 3 • Month 4–12
Build
On-time payments reported by the credit union; keep card use low.
Your credit union reports on-time payments
- Step 4 • Month 12+
Graduate
Loan closes, savings released, ready for a car loan or mortgage.
Your savings are released
What SaveScore is not: SaveScore is not a bank or a lender, and we hold no deposits. We do not report to credit bureaus. Your credit union does. We can't promise your credit score will go up.