Learn How To Build and Repair Your Own Credit

Why Grain Could Be The Major Game Changer

Are you interested in signing up for Grain but don’t know where to start? Grain is a new Fintech company that allows you to build your credit with your bank account. It is based on your eligibility to apply and get approved for their program under the guidelines of your bank account and your transactions.


Grain does not pull your credit or even care about your current credit. It focuses on your bank account. To get approved with Grain, the first thing you need is an apple device. Download the app and link it to your bank account. The green app and the algorithm within the company will pull the transaction history with your account and afford you a credit line.

The credit line is essentially turned into a credit card but they don't give you the real accredit card. They put the money directly into your bank account and then use your debit card as your new credit card. It's because it covers a space in the credit industry that’s not been tackled.


A lot of people can pay for a lot of different things that make over $200000 a year but just have poor credit. They are not used to having good credit and tend not to worry about it because they have lived their life not having credit for a long time.


This company is therefore taking that approach and flipping it. Creditors or loan agencies now look at your credit history and see how it matches up with their wants and needs for your approval. It is looking at your transactional history, a space that has not been tackled because a lot of companies haven’t realized that credit is not the only factor when it comes to consumer’s innate financial habits.



The future of credit industries tends to be leaning towards these Fintech ideas. We now have the new self-savings account in which you can build your credit just by saving. The Grain app allows you to build credit with your bank account.


To sign up, go to the Grain app or go to their website. It is a 1% charge and a 12% Apr. You can also watch a detailed video here for more insight about Grain.

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