Compare

Compare the value

There are a few common ways to build credit fast. Here’s how they actually stack up.

Secured Credit Cards

$200–300 refundable deposit required upfront
Often an initial credit-score decrease from a new inquiry
High interest rates if you carry a balance
Builds history slowly, one new account only

Authorized User Tradelines

$500–1,500 set-up fee, paid to a stranger’s account
Score increase is often temporary
Not designed for long-term credit building
History isn’t really yours

Rental Kharma

Adds payments you’ve already made — no new debt
Results in 3–10 days on TransUnion & Equifax
Unlimited 1-on-1 credit mentoring included
90-day money-back guarantee

Why does it work this fast?

Because we’re not creating new credit history — we’re reporting payments you’ve already made. Once your rent or utility payment is independently verified, there’s nothing left to wait on except the bureaus themselves, which is why it typically appears in 3–10 days rather than months.