Dig in, or just get it done.
btw, even 1% can save $106,931 on mortgages & $1,203 on auto loans†.
Hands-On
Profile (1/3)
$26.97 / mth
Vs. $100s on future interest.
Cancel anytime.
Free for your children.
Free for scores <580.
Detailed & educational. For those who want to know everything about the wonderful world of consumer credit.
How it Works
- 🚀 Answer some questions about your credit & financial situation.
- 🔍 Discover your profile strengths & weaknesses based on 99% of credit High Achiever profiling.
- 🚥 Learn how to get your FICO8 scores free.
- 💻 Access your personal profile page (timeline + checklist + matched loans & cards). No commissions, so not conflict of interests.
- 📫 Follow 1-2 weekly steps (~15 min) delivered to your inbox.
BONUS: How To Negotiate With The Bank Lesson
+ 1st month free
Most Popular
Need-to-Know
Profile (2/3)
$21.97 / mth
Vs. $100s on future interest.
Cancel anytime.
Free for your children.
Free for scores <580.
Succinct and efficient. A profile that only tells you what you need to know to get where you want to go.
How it Works
- 🚀 Answer some questions about your credit & financial situation.
- 🔍 Discover your profile strengths & weaknesses based on 99% of credit High Achiever profiling.
- 🚥 Learn how to get your FICO8 scores free.
- 💻 Access your personal profile page (timeline + checklist + matched loans & cards). No commissions, so not conflict of interests.
- 📫 Follow 1-2 weekly steps (~15 min) delivered to your inbox.
+ 1st month free
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?
Probably not right if you
- 📝 have a debt attorney or financial advisor. Good ones get the job done (it just costs more $$$).
- 💰 have unpaid bad debts (like collections). Pay them before building.
- 🗓️ have <5 months before a purchase. Credit building takes more time than that.
Probably not right if you
- 📝 have a debt attorney or financial advisor. Good ones get the job done (it just costs more $$$).
- 💰 have unpaid bad debts (like collections). Pay them before building.
- 🗓️ have <5 months before a purchase. Credit building takes more time than that.
Probably not right if you
- 📝 have a debt attorney or financial advisor. Good ones get the job done (it just costs more $$$).
- 💰 have unpaid bad debts (like collections). Pay them before building.
- 🗓️ have <5 months before a purchase. Credit building takes more time than that.
Just 1% Interest
Makes a Big Difference
$106,931
🏠 savings from 4% vs 5% interest on a 30-year $500,000 mortgage.
$1,203
🚙 savings from 7% vs 8% interest on a 5½-year $38,000 auto loan.
$1,971
🧑🏼🎓 savings from 9% vs 10% interest on a 10-year $30,000 private student loan.
$1,313
🏢 savings from 9% vs 10% interest on a 10-year $20,000 business loan.
$543
💳 savings from 19% vs 29% APR on a $3,000 credit card balance over 24 months (and that's without compounding).
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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