Bolster: Get Your Credit Right

Bolster brings together the power of credit building, error disputing, and financial insights in one free app built to challenge outdated systems and grow your credit.

Bad credit? No credit? Doesn’t matter.

Bolster’s credit builder plans give you three powerful, no-credit-check options for reporting payments to all 3 credit bureaus to build your credit history. Users could see a 102+ point credit boost on average with our Credit Builder plans(see 1) - Plan options:

–Credit Maximizer:

Build up to $10,000 credit history for the ultimate credit boost.

Made for serious borrowers prepping for mortgage pre-approval, auto financing, or major life moves.

Perfect for anyone who needs a serious credit score, fast.

–Credit Accelerator:

Build up to $4,000 credit history.

Made for anyone who’s done getting overlooked and undervalued.

Perfect for anyone bouncing back from a credit dip.

–Credit Upstart:

Build over $100 credit every 6 months.

Made for students, recent grads, or anyone new to the credit game.

Perfect for first-time credit builders starting from zero.

Apply for the Bolster Card

It's Simple. Build your credit history by making on-time payments. Bolster’s credit builder card is the smarter, faster way to build. Any score can apply. 0% APR* and no annual fee(see 2).

Dispute Credit Errors in Minutes

1 in 3 credit reports have mistakes. Bolster guides you through your credit report and the dispute process with no need for expensive credit repair subscriptions, calls, lawyers, or lengthy letters to creditors. We make credit disputes on TransUnion fast and free. You can choose to send them to Equifax and Experian for an additional cost.

Spending + Savings Insights

Bolster breaks down your spending habits so you can make smarter moves with every dollar.

Personalized, Real-Time Guidance

Get alerts, credit tips, and tailored product recommendations based on your financial data. Automatically updated. Always secure.

What Makes Bolster Different?

You’re in control: Your goals. Your decisions.

No hidden fees: What you see is what you get. Clear pricing, upfront.

Backed by TransUnion and Plaid: Secure connections. Trusted partners.

Cancel anytime: No commitments. No hassle.

Real Progress. No Gimmicks.

Whether you're rebuilding after life hit hard or starting fresh, Bolster is the app that says yes when the old system says no.

Download Bolster and start building your financial future your way. Get our all-in-one credit builder and fixer app today.

Terms & Conditions: https://bolster.co/terms-of-service

[DISCLAIMERS]

*0% APR on purchases. For more information on APRs and fees, please see Cardholder Agreement.

1- Average based on Bolster users with positive score gains who subscribed to any Bolster Credit Builder plan between 2/14/2025–2/13/2026, with 6+ consecutive payments

2 -The Bolster Card has no annual fees, but some fees may apply, including out of network ATM fees, late payment fees, and other fees. For more information please see your Cardholder Agreement and Deposit Account Agreement. The Bolster Card and related banking services are provided by Cross River Bank Member FDIC. Upward Financial Inc. is a technology services provider and the administrator of the Bolster card program. Deposits FDIC-insured up to $250,000 through Cross River Bank. Line of credit is not a deposit product. Cards may be used everywhere Mastercard is accepted.