The faster way to increase credit limit.
No credit check. No hidden fees. No interest.
average increase in one year with on-time payments
No predatory fees. Just results.
Radically affordable. Effective. See why millions build with Test.
The Test tradeline is used to finance the purchase of your monthly plan, not everyday items like gas or groceries. Each month, your balance & repayments are reported to all three major credit bureaus to help you build credit safely. This helps you build payment history, lower your overall credit utilization, and grow your average account age — all key credit building factors.
Explore our features.
Test Credit Account
Build credit fast by reporting on-time payments and optimizing your credit usage with the Test Tradeline.
Rent Reporting
Test helps build your credit by reporting on-time rent and utility payments like phone, electricity, gas, and water.
Disputes
Spot an error? We’ll help you dispute it with the credit bureaus.
Bill Reporting
Stay on top of monthly bills and spending with ease.
Build Payment History to help your credit score grow.
Test Secured Credit Card4
Build credit with every purchase using the Test Secured Card — like a debit card, with credit perks.
AI Debt Negotiation
Skip the calls. Our AI negotiates directly with creditors to lower your debt.
Subscription Cancellations
Save money by canceling unwanted subscriptions.
Privacy Protection
Tired of spam calls? Test removes your data and protects your privacy
$1M Identity TheftInsurance
Identity theft affects millions yearly. Ultimate covers up to $1M in losses.
Test customer story
Your security is our priority
We use state-of-the-art security to keep your information safe. Need help? Our support team is here for you anytime.
Trusted and loved by our customers
Each time I was checking my credit, points were just accumulating. My credit has improved 156 points with Test.
Oakland, CA
I was ready to clean up my credit but I didn't have a ton of options. Test worked and I still don't know how. Up to 700 after a year.
Detroit, MI
I was ready to clean up my credit but I didn't have a ton of options. Test worked and I still don't know how. Up to 700 after a year.
Detroit, MI
i couldn't get a car to save my life n Test helped get me from 545 to like 6 something in like 2 months. def worked for me!!!! thank yoouuuuu ⭐️⭐️⭐️⭐️⭐️
Atlanta, GA
My credit was in the 400s.... I didn't even know credit could go that low. Now it's in the 600s. Don't even think about it, just sign up.
Oakland, CA
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average increase in one year with on-time payments
