Rebuild Your Credit, Regain Control

Yes — the tools in the portal are free to use. If you choose the Free DIY Plan, you can create and send dispute letters manually with no cost at all. The Premium DIY Plan is $21.99/month and gives you live credit data and automation — but we earn nothing from it.

To automate the dispute process and track your score, the system needs your full 3-bureau credit report. That $21.99/month fee goes directly to the secure credit report provider — we’ve waived our commission to get you the lowest possible price.

Absolutely. Many people start with the Free plan to learn the process, then upgrade later for convenience and real-time tracking. You can switch anytime.

No. Using your own credit report, sending dispute letters, and monitoring changes will not negatively affect your score. These are tools to help you take back control — not harm your credit.

No. Everything you do in the credit repair portal is private and secure. We don’t see your report, account activity, or dispute history. This is a self-directed system built for your privacy.

Because we believe better credit leads to better options — in housing, finance, and life. Whether or not we ever work together, we want to give you tools that move you forward. This is our way of giving back.
We do earn a small commission any time someone signs up for the credit builder card, but this does not affect your terms and you are never required to use our link.

No. This is a self-guided tool designed to help you understand and improve your credit on your own. It’s not a substitute for financial planning, legal advice, or professional counseling — but it can be a powerful first step toward getting organized and moving forward.

Yes — everything provided follows your rights under the Fair Credit Reporting Act (FCRA). You have the legal right to dispute inaccurate or outdated information on your credit report. This platform simply gives you the tools to do it effectively and safely.

Yes — you’re always welcome to reach out. While we don’t provide credit repair services ourselves or offer financial advice, we’re happy to point you in the right direction and answer questions about how the platform works. And if you think you might need help with a real estate solution down the line, we’d love to explore that with you when the time is right.

Credit Builder Card® is a secured credit card marketplace. Based on the state you live in, they match you with a secured credit card that has a low $200 security deposit and reports to all 3 credit bureaus. Their mission is to help our users build credit and reach their financial goals while avoiding credit cards that charge interest rates over 30%, high annual fees and application fees.
Credit Builder Card® uses a small refundable security deposit as your spending limit. You make small purchases, pay them off on time, and the card issuer reports your activity to the credit bureaus. Responsible use may help build or rebuild your credit profile over time, although results vary for every person.

As of now, yes! The issuer wants the card to be accessible to everyone and that means no hard credit inquiry when you apply and no credit score requirement for approval. You use your own money to fund your deposit to open your secured credit card and as a result, there are no strict credit requirements. You may not be approved for a secured credit card if you have an active bankruptcy. In select situations, the issuing Bank may request a copy of your Drivers License and a utility bill or bank statement to verify your identity.
However, we cannot guarantee that this will always be the case. Credit Builder Card® uses its own approval process that is subject to change without notice. That may include a credit inquiry, depending on the card issuer and your state. Any inquiry is handled entirely by the issuer and will be clearly disclosed before you submit your application. Sold & Stay does not access your credit report, cannot see your information, and is not involved in the approval process.

The Credit Builder Card is designed to help you build your credit with all three credit bureaus. It would be impossible to say how much your score will go up but the issuer reports that some members have seen their credit score improve by more than 50 points. Please note that each individual has a unique credit report and we cannot make any guarantees as to your specific score improvement. To get the maximum increase for your credit score, we recommend speaking with a financial advisor. The general rule of thumb is to always make your payments on time and never spend more than 30% of your card limit each month.

No. When you use our partner link, you go directly to the official Credit Builder Card® website. We cannot see your application details, your credit report, or any activity on your account.

Valid question, and one that should be asked of any business these days. We may receive a referral fee if you open an account through our partner link. Your terms do not change and there is no obligation to move forward.