The CreditStrong Credit Builder is a personal loan from CreditStrong Credit Builder. The annual fee is $15-$30/month. Approval typically requires a credit score of 550 or higher. Loan terms: Build up to 120 months of payment history. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Credit builder loan and savings account. Accepts ITIN. No credit check. Reports to all 3 bureaus. Plans from $15/month.