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Access Affordable Legal Help

Start building a brighter financial future with our powerful credit-building tools. We understand that not everyone has a perfect credit history, and that’s okay. Our programs are designed to help you establish and improve your credit profile without a hard credit check.

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52,348

Happy Customers

4.8/5

  • Rating
avater-01

52,348

Happy Customers

4.8/5

  • Rating
Open an Account in Minutes

Poor credit? High utilization?

We can help

We help you with the two biggest factors in your credit score

  • Credit utilization (30% of FICO score)
  • Payment history (35% of FICO score)

The fastest way to improve your credit score is to lower your credit utilization

How it works

1
Get approved for up to $3000 line of credit
2
Enroll in Legal Access Plan
3
Access Nationwide Consumer Rights Attorneys when you need help
4
Improve credit utilization and build positive payment history

Legal Access Plans assist with

  • Credit reporting errors
  • Debt Collection Harassment
  • Background Check Errors
  • Tenant Screening Errors
  • Identity Theft and Unauthorized Transactions
  • Creditor lawsuits
  • And much more
Legal Access Plan Benefits

The Credit Booster: Lower Utilization, Higher Score!

Ready to unlock the fastest path to a better credit score?

We understand the importance of a strong credit score. It unlocks doors to financial opportunities, from securing loans with lower interest rates to qualifying for your dream house. But what if your credit utilization and payment history are holding you back?

  • Boost Your Credit Limit (Up to $3,000)
  • Enroll in Legal Access Plan
  • Build Positive Payment History
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Struggling with Poor Credit and High Utilization? We've Got Your Back!

Improve Your Credit Score and Reach Your Financial Goals

Is a poor credit score holding you back from achieving your financial goals? Don’t worry, you’re not alone. Millions of people struggle with credit challenges, but the good news is, there’s a path forward!

Join our program

No credit check

Open an Account in Minutes

Build credit and access legal benefits affordably

We Report to All 3 Bureaus

Your new credit limit and on-time payments will be reported to all three major credit bureaus (Experian, Equifax, and TransUnion). This comprehensive reporting helps with a positive impact on your overall credit score.

Automate Payments and Never Miss a Beat

Take the worry out of managing your account with our convenient automatic payment options. Set it and forget it! Payments will be drafted on time, every time, so you can build a strong credit history without missing any payments.

Cancel Anytime with Flexibility

We offer complete flexibility. If your circumstances change, you can cancel your account at any time without penalty.

Real People Real Results

Join thousands of people like you building their credit with Main Street Credit

View All Reviews
“I am so happy having signed up for the credit program; my credit offers have got better, car loans got cheaper. My life has gotten better, and I thank Main Street Credit for helping me achieve my financial independence”
Matthew P
Matthew P
“It’s definitely helping my credit. I was recently able to qualify for a mortgage loan because of my line of credit and good payment history.”
Patrick M
Patrick M
“Main Street offers a remarkable credit solution to help build your credit easy and worry free.”
Max S
Max S
"I was very impressed and how simple everything was. Building back up credit, I thought was a lost cause and I never could get out of relying on short term high interest loans but I was recently approved for a high balance credit card at a low APR and have also paid off a lot of high interest loans as well and am on my way to actually saving money after struggling for many years:
Kevin J
Kevin J
“These credit products have helped my credit profile better than anything else I tried. Simply the best!”
Suzanne P
Suzanne P
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