The 1 st


Credit Rebuilding Program

A personal profile using your location + cash + credit to rebuild your score for less than $30 online — instead of $100s in person.

+ StoryShare for solutions to your unique challenges from similar people (& the choice to pay it forward later).

Control every step. Cancel anytime. Free for scores <580.

As featured in

Your 5 Options


Automated Rebuilding


Effectiveness: 5/5

Automated credit rebuilding is "no-commission," so we only profit by actually helping you.

We use algorithms to ensure you take the best step, every step.

Effort: Low

Detailed by us, done by you.

Avg. Price: $60

Most people require 2 months minimum at $30 each.

Personal profile

No conflicts of interest from commissions

Steps tailored to profile

Timing tailored to profile

Amount tailored to profile


Removes mistakes from credit report (if any)

Made for bankruptcy


Free Score Platforms

(Credit Karma, Experian, etc.)

Effectiveness: 1/5

Free score platforms make money on commissions, so their recommendations belong to the highest bidder and not to the best choice.

Plus, they use "FAKO" scores like VantageScore instead of FICO, which is a deceptive approach.

Effort: Lowest

No work to do. They just sell you cards.

Avg. Price: $0

It's $0 because they make money taking commission on recommended products.

We think your credit is important enough to pay for good service.

Personal profile

Conflict of interest from credit card commissions

Steps tailored to profile

Timing tailored to profile

Amount tailored to profile


Removes mistakes from credit report (if any)

Made for bankruptcy

DIY Credit Rebuilding

(Forums & related research)

Effectiveness: 4/5

Done right, manual rebuilding is effective. But there's a learning curve. It's easy to make mistakes without proper guidance (like us).

Effort: Highest

You learn and execute everything yourself, including mistakes that last 7 years.

Avg. Price: $0

It's $0 because you do it yourself, but you'll still pay for products (sometimes more than necessary).

Personal profile

No conflicts of interest from commissions

Steps tailored to profile

Timing tailored to profile

Amount tailored to profile

Not relevant

Removes mistakes from credit report (if any)

Made for bankruptcy

Credit Repair Agent

(Lexington Law, TheCreditPros, etc.)

Effectiveness: 2/5

Credit "repair" is a very specific service: the removal innacuracies from your report, e.g. if someone else's loan appears on your report.

This only happens to 34% of consumers, so it's unlikely to work for you.

Effort: High

It's high effort because you either do it yourself or have to chase after the agent (they usually make more money by dragging out the process).

Avg. Price: $165

It's priced higher because if you're part of the 30%, it's the fastest solution. Uninformed consumers often look for the "quick" solution, even if it won't work.

Personal profile

Not relevant

Steps tailored to profile

Timing tailored to profile

Amount tailored to profile

Not relevant

Removes mistakes from credit report (if any)

Made for bankruptcy

Credit Counseling

(Court ordered for bankruptcy)

Effectiveness: 5/5

Counseling is for bankruptcy, so it's good to stop the bleeding but cannot solve the core debt problem.

Effort: Highest

Counseling requires you meet with an advisor and carry out detailed plans. These are often non-profit organizations, so there's always the risk of subpar service.

Avg. Price: $75

Counseling is mandated by the courts, so it can be free or cost $75 on average for a "nicer" experience.

Personal profile

Not relevant

Steps tailored to profile

Timing tailored to profile

Amount tailored to profile

Not relevant

Removes mistakes from credit report (if any)

Made for bankruptcy

How We're Different

❶ No commissions.

Others make money recommending cards and loans so they can push responsibility down the line. No credit card or loan companies pay us.

❷ Less manpower.

Automated rebuilding is, well, automated. We don't require as much manpower, so our solution is less expensive.

Everyone can rebuild their credit.

It's not for you until

❶ You tried "repair."

You or a credit repair agent disputed bad info but you still have poor credit (or nothing was removed).

❷ You settled past-dues.

Whatever payments originally missed are now paid, be it collections, charge-offs, or simple lates.

Why now?

When you need credit, it's too late.

❶ 15% of credit is account age.
❷ The later you start, the longer it takes to "age."
❸ Plus new accounts hurt your profile for several months.

So when you need credit, you must have already built it!

It's not rocket science.

You just need a guide.

Sarah's Inspiration

How a 27-year-old software engineer & single mother devoured the corporate ladder with bad credit, then recovered.

Read about Sarah (1 min)

Sarah moved appartments after a promotion because her previous place had unattended mold growth — too much risk for her 1-year-old boy.

She skipped the last rent payment, citing unsuitable living conditions.

A year later, Sarah was promoted again and applied to a new appartment, but she was automatically refused for poor credit.

The unpaid rent had been sent to collections (who began contacting shortly thereafter). And it would stay there for 7 years.

Realizing her situation, Sarah promptly paid the debt collector. But it was too late. The damage had been done.

She found most credit professionals either uninformed, shady, or ineffective. So through painstaking research and several mistakes, she rebuilt her profile and established a set of best practices as her profile evolved each month.

Sarah's approach was honest, methodical, and precise. But not everyone has the time or confidence to go it alone.

This the reason exists. We believe you should control your financial reputation without risking 7-10 years of damage just for trying.

The automated rebuilding approach is not a turnkey solution — anyone who claims to fix your credit quickly is lying. But there is a best way, one that doesn't require you learn an entirely new skill.

When you're done with us, you'll have the tools & knowledge to maintain healthy credit for life.


Can't I do this myself?

Yes, if you feel comfortable doing the research and taking some risk, you can go it (all) alone. Just remember that small mistakes can have big consequences. Make sure you dedicate enough time to research. You can also ask questions on a 15 minute free chat here.

I have a unique situation, how do I know if it's for me?

Some of the most common problems we handle include:

Unsure which score is the right one. || Confused why good score didn't get you approved. || Unsure about getting new accounts vs. working on existing ones. || Skeptical of banker offering a credit card to protect your credit (it's a lie). || Opened account caused score drop. || Closed account caused score drop. || Following "all the rules" but don't see score changing. || Scores differ across credit bureaus (TransUnion, Experian, Equifax). || Up-to-date on old accounts but score is decreasing. || New account caused big score increase, but then it stagnated. || Don't want to pay for FICO scores each month, but need to monitor. || Unsure how many credit cards you should have. || Unsure how much to put on credit cards. || Uncertain about authorized usership. || Account appears on one credit score, but not others. || Score dropped when installment loan aged off report. || You heard of pay-for-delete but your creditor won't accept it. || Confused about so-called "consumer finance accounts." || Mortgage seems to have different impact than other installment debt. || Confused why mortgages & auto loans have separate categories. || Confused why mortgages & auto loans have dedicated scores.

And many more...

You can schedule a 15 min chat for free here to be sure we can help your specific circumstances.

I don't like the idea of getting debt. Do I need it?

You'll need it to make meaningful progress. Credit is an old game that requires we pay to play. But like any game, there are ways to win efficiently when you have the right skills and tools.

I know people with high scores and just one card. Why don't I just do that?

You can. We built these packages because credit can be misleading. A high score does not mean "creditworthy compared to everyone." It just means "compared to others like you, you are less likely to default." But that can simply mean others like you don't use much debt at all! Banks know this.

The point is, you're here because you're proactive, and our packages are designed to set you up for lifelong success by creating a strong foundation.

How is this different from my local credit repair service?

Grrr, hot topic for us. "Repair" is the operating word here, and it just means disputing errors with credit bureaus (legally speaking and in pactice). It does not "build" your profile for lasting results. We focus on building a thick, resistant profile that stands the test of time.

How are you different from competitors?

We don't take commissions, so we only profit by actually helping you unlike any other credit service online.

Plus, we don't know of other automated credit rebuilding services, but we use an algorithm to match your profile with a customized plan that considers factors on and off your report.

For example, we identify specific products based on your location and available funds. We implement common and less-common techniques at optimal frequencies, such as opening multiple accounts quickly to minimize hard pull count and preempt credit-limit increase requests by choosing cards more favorable to approving from the start. We eliminate secured credit cards entirely — they are obsolete. We plan rotational card usage to avoid innactivity closure and penalties for all-zero accounts.

Most importantly, we automate the lengthy process so you don't have to deal with the stress of uncertainty. Just take 2-3 steps each week.

We also believe in "learning by doing," so we explain each step we recommend. That way you walk away with more than a better profile — you actually know what's going on.

Can't I just get a credit builder loan or app like Self or Kikoff?

Yes, (some) credit builder loans/cards/apps are great tools. We focus on building comprehensive profiles of loans and cards that we know and trust to improve credit quickly without creating constraints in the future.

What if I start a program and decide to stop?

We'll refund you the difference if you paid up front or terminate your monthly subscription. You shouldn't pay for something if you don't think it helps. However (as you know), the single most important factor in your credit is consistent payments, so make sure you have a plan before cancelling.

How much does it cost?

Most customers choose the $12.97/month option.

Internally we call this the "water" package because it's roughly equivalent to the amount Americans spend on water each month.

What's the catch?

We have a secret motive. Credit building is a humbling task, the great equalizer in a capitalist society. Like life, it takes patience, can have unpleasant surprises, and sometimes even involves some luck. But unlike life, we ensure you don't make huge mistakes along the way, so you can learn and grow in a healthy way.

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Made with ❤️ in Florida

Thick Credit is not a credit repair organization, a credit conseling agency, or a debtor education providor. It does not act on your behalf to communicate with credit reporting agencies or provide pre-bankruptcy credit counseling and pre-discharge debtor education for bankruptcy.

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