Ranked by math. Ads and any paid links never change the order · card terms verified at the issuer, dated · how we’re funded →

Home
Free Credit Roadmap

Free tool · No account needed

How long will it take
to rebuild your credit?

Answer 4 questions. Get a free, personalized month-by-month roadmap showing your projected score range, when you unlock specific cards, and exactly what to do each month to stay on track.

No account required

Not affiliated with any bureau

Half the cost of competitors

Where are you starting?

No credit historyNever had a card or loan Thin file1–2 accounts, score under 600 RebuildingMissed payments or collections StudentIn college, first card

12–18months to fair credit

30%utilization is the key lever

~halfthe cost of Lexington Law

Your situation

Current score estimate (optional)

No score No file

Poor
300–579

Fair
580–669

Good
670–739

Very Good
740–799

Exceptional
800+

Do you have a secured card yet?

What is your main goal?

Personalized month-by-month roadmap

Score milestones and card unlock timeline

Utilization calculator and graduation tracker

Share this calculator Bluesky Facebook LinkedIn Reddit

→

🎯

You’re in the rewards zone — time to optimize

At 670+ you qualify for the full rewards card market. Visit our sister site YourBestCards.com — the Rewards Calculator finds the card that earns most on your spending, and the best signup bonuses show the highest day-one value right now.

Trip Gap Calculator → Rewards Calculator → Best Signup Bonuses →

Your Month-by-Month Roadmap

Projected score ranges and key milestones based on your starting point. Projections are typical outcomes, not guarantees.

The Utilization Tactic Most People Miss

This single habit is worth 20–40 points and takes 5 minutes per month.

What most people do

Pay before due date

Your card balance on your statement close date is what gets reported to the bureaus. If you spend $600 on a $1,000 limit card and pay before the due date, the bureaus still see 60% utilization — even though you owe nothing.

Score impact: Moderate to severe

→

What you should do

Pay before statement close

Pay down your balance before your statement closes each month. If you want to report 10% utilization on a $1,000 limit, leave only $100 on the card when the statement generates. Then pay the rest before due date. Full utilization guide and multi-card calculator →

Score impact: +20–40 points in 30 days

Calculate your target payment

Credit limit

Current balance

Target utilization

Enter your limit and balance above.

Cards You Unlock Along the Way

Score milestones unlock specific cards. Here is the progression for your profile. At 700+, see the Chase Sapphire credit score guide at YourBestCards.com.

Your Score Factors: Where to Focus

FICO score is built from 5 factors. Here is which one gives you the best return on effort right now.

Secured Card Graduation Tracker

Each issuer reviews your account on a different schedule. Know exactly when your window opens.

Your next step

Pick the card that starts your timeline

Secured and no-deposit credit-builder cards, ranked by math — fees first, then perks and rewards, with the deposit shown for each card.

See the best cards to build credit → Or start with a credit-builder loan →

Sister site — YourBestCards.com

Ready to start earning rewards?

Once you hit 670+, these tools at YourBestCards.com help you choose and maximize the right rewards card.

Rewards CalculatorFind the card that earns the most on your actual spending.

Best Signup BonusesAt 670+ you unlock the strongest cash and points welcome offers. See the current best.

Balance Transfer CardsCarrying high-interest debt? A 0% transfer can help you build credit and save at once.

No-Fee Travel CardsAt 670+ you qualify for cards that earn transferable points with no annual fee.

Trip Gap CalculatorSee which card covers a specific trip by welcome bonus — enter your destination.

Freelancers: Business CardsOnce you build credit to 670+, a no-fee business card earns on every deductible expense.

The YourBest network

YourBestSavings YourBestCards YourBestCreditBuilder YourBestLoanRates YourBestTaxes

Scoring, methodology & data by ByTheMath · License the data

Follow YourBest Rates for daily rate updates:

About·How It Works·Methodology·Editorial Policy·Editorial Team·Corrections·Affiliate Disclosure·Privacy Policy·Terms of Use·Contact

Ranked by math. YourBestCreditBuilder.com is published by ByTheMath. Cards are ranked by the numbers — fees first, then perks, rewards and welcome offers (methodology). No issuer can pay to be included in or ranked higher in our rankings, and compensation never changes a ranking or a score. This site shows Google ads and currently has no paid links. Our guides and tools are free. Educational information only, not legal or financial advice. Affiliate & advertising disclosure →

Ranked by math. Not by margin.

How long will it taketo rebuild your credit?