Question: I'm looking for a way to build my credit score without taking out a loan or credit card - are there any alternative options?

Cushion

If you want to establish a credit score without taking out a loan or credit card, Cushion is a good choice. The service helps you manage bills and build a credit history by securely linking accounts. It includes features like bill tracking, payment scheduling with a virtual Cushion card, credit score monitoring and insights to help you budget better. Cushion offers a $4.99/month and $12.99/month plan, so it's a good option to oversee your financial obligations and improve your credit score.

Parthean

Another option to consider is Parthean. The AI-powered financial management service automates and simplifies financial tasks like saving and paying off debt. With features like round-up savings, real-time tracking and personalized financial advice, Parthean helps you make the most of your money. It also prioritizes security with bank-level encryption and anonymized data processing. Parthean offers a free trial, but after that, it costs $14.99/month and up.

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