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Get A Higher Credit Score.

Increase your credit score using the equity in your home.

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Build your credit using your home.

Low credit or no credit at all? If you own your home
or are considering a refinance let Credit Trail help improve your credit score by 30 points on average.

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Choose Credit Trail when refinancing your current mortgage (ask your mortgage agent to enroll you)

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Credit Trail does all the heavy lifting and removes the need to manage credit card payments and statements.

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Credit Trail is fast, and on average improves credit scores by 32% without monthly payments*.

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A higher score without the risk.

Did you know that not all mortgage loans report to your credit?


Credit Trail automatically reports to your Equifax based on the package you choose with your mortgage agent or brokerage.

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Your home, your credit,
working as one.

Before Credit Trail, a bank-issued secured credit card was the most popular way to improve credit.

Sadly, most secured credit card programs fail to build credit based on these three factors.

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The process to obtain a secured credit card is never as simple as promised.

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Secured credit cards require you to have the cash as part of the collateral agreement; no cash, no card.

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Some programs as slow to report, do not report, or simply get credit limit to balance equation wrong.

Get Better Credit

Discover the
advantages of Credit Trails

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Connect your account

Ask your mortgage professional to connect you with Credit Trail when you close your mortgage.

Learn more ➜
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Your home does all the work

Finally, homeowners with less than perfect credit can rebuild their score quickly.

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Your score goes up

Credit Trail automatically sets up your account and reports payments to Equifax.

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Why Credit Trail?

Enroll in Credit Trail today and get a better
credit score in as little as 45 days.**

Credit Trail Home ProgramTypical Secured Credit CardBank Issued Credit Card
Average APR0%19%12-19%
Credit Check to ApplyNoYesYes
Security DepositNo Minimum RequirementUsually $200 to $500 requiredNone (limit based on credit score)
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Is Credit Trail Safe?

Yes, it is pre-paid from the equity in your home when you refinance your mortgage.

Depending on the trail you choose, you can ask Credit Trail to report monthly or bi-weekly while focusing on your busy life.

Automated Monthly, or Bi-weekly Reporting.

Choose from 2 different products depending on your credit-building goals.

Build new credit rapidly without worrying about the details (Credit Trails' unique program manages payment history and utilization).

Enroll as part of your mortgage refinance process using a trusted network of mortgage brokers.

Get better credit

Frequently asked questions

Everything you need to know about the product and billing.

  • What do I need to apply to Credit Trail

    Credit Trail works with your mortgage agent or brokerage to help build new credit during the mortgage process. You need to be working with a registered mortgage brokerage and be in the process of refinancing your mortgage, or adding a home equity based line or loan.

  • Does Credit Trail check my credit before I apply?

    No. Your current credit score is not part of the process. Credit Trials goal is to help you build your score with our service.

  • Do I need to own a home to use Credit Trail?

    Yes. You need to be in the process of refinancing your current home, or adding a home equity based option like a line of credit or loan to get started.

  • How does Credit Trail work?

    Credit Trail works with your broker to set-up your pre-selected plan. Once your new mortgages Credit Trail reports positive payment history made during the length of your selected term.

  • What makes Credit Trail different from secured credit cards?

    Secured Credit Card programs are cumbersome to set up, slow to report and require you to send a money order to the issuing bank. Credit Trail works with your mortgage broker and requires no upfront cash payment or money order to start reporting to your credit.
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Start building your credit today

Talk to your broker today and add points to your
credit score!

Get Started ➜