How it works
The easiest way to build positive history
1
Set up your plan
Choose a no-interest Credit Booster plan right in the app, no credit check required to get started.
2
Make on-time payments
Stay on track each month, right from your dashboard.
3
We report it for you
CoolCredit reports your payments to the credit bureaus automatically, building your positive history month by month.
4
See significant improvement
Watch your score increase rapidly as every on-time payment gets reported straight to the bureaus.
Booster plan · $25/mo
ACTIVE
Booster plan · $50/mo
ACTIVE
Add another Booster plan
Pause or cancel anytime
Boost multiple times
One Credit Booster plan builds momentum, but you're not limited to just one. Run multiple plans at once to accelerate your credit depth even further, and pause, modify, or cancel any of them anytime.
Why positive history matters
Lenders don't just look for a clean file, they look for proof you manage credit well over time. Without enough positive history, your score has nowhere to grow from, even a file with zero negative marks can stay stuck.
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A steady, on-time payment record reported straight to the bureaus
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Improved credit age and depth, two factors that carry real weight
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Momentum that builds every single month, automatically
April payment reported
ON TIME
May payment reported
ON TIME
June payment reported
ON TIME
Just starting to build credit, with little to no history yet
Have a thin file that needs more positive activity behind it
Already have a clean report and want to push toward an excellent score faster
Who it's for
Every file, thin or thick
Credit Booster is for anyone whose file needs more history behind it, whether you're just getting started or already ahead of the curve.
It's already part of your plan
Every CoolCredit plan includes Credit Booster, so you're building positive credit history as you work toward your goals. And if your report is already clean and Credit Booster is all you need, you can also choose our Boost Only Plan.
