Dig in, or just get it done.

even 1% can save $106,931 on mortgages & $1,203 on auto loans.


$13.97 / mth

(Instead of $1000s on future debt.)

Detailed & educational. For those who want to know everything about the wonderful world of consumer credit.

Free for scores <580. Free to add your children. Cancel anytime.

Most Popular


$12.97 / mth

(Instead of $1000s on future debt.)

Succinct and efficient. A plan that only tells you what you need to know to get where you want to go.

Free to add your children.
Cancel anytime.


$987.99 / mth

(For extreme cases — talk to us first.)

The luxury option. For those with cash who want someone to answer all their questions, at every step.


Doesn't look like a fit?
Let's talk.

(schedule 15 min free chat)

Aim for 7-6-4

7 revolving lines +
6 installment accts +
4 years on-time +
764 FICO 8 score
(or better).

Why does credit matter anyway?

1. It reassures banks.

Lenders deny borrowers with thin credit... or just charge aggressivly high rates.

2. It appeases landlords.

Landlords can refuse tenant applications with bad credit.

3. It compels insurers.

Insurers charge hefty premiums on auto 🚙, medical 🏥 & home 🏠 plans for thin files.

4. It comforts employers.

Employers assume the worst.
They can ghost your application, or let you go due to questionable credit.

5. It wins business partners.

Partners shy away from entrepreneurs with thin credit. Wouldn't you?

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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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