- A credit builder app helps you build a credit history — even if you’ve never had a loan or card.
- You “borrow” a small amount held in a savings account — then repay it monthly.
- Each payment is reported to credit bureaus — boosting your credit score over time.
- Great for first-timers, gig workers, or anyone rejected by regular banks.
👉 A credit builder app turns small steps into long-term financial trust.