Overview Leaderboard Methodology
Industry Report

Credit-Builder Platforms

Services designed to help consumers establish or improve credit scores by reporting on-time payments and offering secured or installment-style products.

Brands tracked: 33
Brands analyzed: 33
Last updated: 2026-04-23
Model: OpenAI GPT-5
Prompts: 263
Total responses: 1,330
Top Brand Overall?
Self
79/100

Highest overall AI Visibility Score in this industry.

LBA Leader?
Experian
80

Highest score on the LBA metric in this industry.

Authority Leader?
Self
78

Highest score on the Authority metric in this industry.

TOM Leader?
Self
100

Highest score on the TOM metric in this industry.

Self leads the Credit-Builder Platforms category in AI responses

Self is the most consistently-surfaced brand when users ask AI assistants about Credit-Builder Platforms, but not to the point of monopolising the conversation. Chime and a handful of others appear regularly, giving users a reasonable set of alternatives to compare. The top of this leaderboard is where most of the AI-driven traffic will go.

Brand Leaderboard All 33 Credit-Builder Platforms brands ranked

Ranked by overall AI Visibility Score (smoothed geometric mean of LBA, Authority, and TOM with an LBA-based floor on Authority and TOM, see methodology). Click any brand for the full report.

# Brand LBA Authority TOM Overall
1
Self
self.inc
 64
78
100
79
2
Chime
chime.com
 77
62
98
78
3
Experian
experian.com
 80
33
81
60
4
Discover
discover.com
 60
41
67
55
5
Capital One
capitalone.com
 72
29
63
51
6
Kikoff
kikoff.com
 62
25
61
46
7
Grow Credit
growcredit.com
 54
9
26
25
8
Credit Strong
creditstrong.com
 44
9
16
19
9
Bilt
bilt.com
 64
6
6
16
10
Esusu
esusurent.com
 62
6
6
15
11
Extra
extra.app
 61
6
6
15
12
Loqbox
loqbox.com
 54
5
5
14
13
Petal
petalcard.com
 58
6
6
14
14
SeedFi
seedfi.com
 39
4
13
14
15
Step
step.com
 58
6
6
14
16
Tomo
tomo.com
 36
4
14
14
17
Brigit
hellobrigit.com
 51
5
5
13
18
CreditLadder
creditladder.co.uk
 52
5
5
13
19
cred.ai
cred.ai
 47
5
5
12
20
Rental Kharma
rentalkharma.com
 43
4
4
11
21
RentReporters
rentreporters.com
 42
5
4
11
22
Refresh Financial
refreshfinancial.ca
 39
4
4
10
23
StellarFi
stellarfi.com
 36
4
4
9
24
LevelCredit
levelcredit.com
 23
2
2
7
25
P
Piñata
trypinata.com
 26
3
3
7
26
Nyble
nyble.com
 21
2
2
6
27
Boom
boompay.app
 11
1
4
5
28
Canopy
canopy.rent
 18
2
2
5
29
Perch
perchcredit.com
 15
2
2
5
30
Sable
sablecard.com
 19
2
2
5
31
Ava
meetava.com
 11
1
1
4
32
Wollit
wollit.com
 8
1
1
3
33
Bits
bits.app
 5
0
0
2

How is this calculated? Methodology

Every brand in this leaderboard is scored against the same set of 263 shared Credit-Builder Platforms prompts. The same prompts, same model, same iterations. So differences in scores reflect actual differences in AI visibility, not differences in measurement.

Overall AI Visibility Score
Smoothed geometric mean of LBA, Authority and TOM. Authority and TOM are floored at LBA × 0.1 before the geometric mean (the same floor used in the per-metric cards above, so brand cards and the composite tell the same story). Formula: composite = ((LBA + 5)(Authority + 5)(TOM + 5))^(1/3) - 5. The floor keeps brands the model clearly recognises but doesn't yet recommend from collapsing to zero, while a single genuinely weak metric still pulls the composite down. Full methodology.
Shared industry prompts
For Authority and TOM, all brands in the industry are scored against the same 263 category prompts (e.g. "best SEO tools for agencies"). This makes brand-to-brand comparisons valid - everyone faces identical inputs. LBA prompts are per-brand because they ask brand-specific questions.
Latent Brand Association (LBA)
5 brand probes + 1 control prompt, each run 5 times in recall mode (no web search). LBA = quality × meta × stability × share × recognition × 100. Read the full LBA methodology →
LLM Authority
50 organic category prompts (discovery, comparison, problem and transactional intents), each run once in recall mode and once in retrieval mode. Score = frequency × log-decayed prominence × intent weight, then 50/50 averaged across the two modes. Read the full Authority methodology →
Top of Mind (TOM)
15 high-volume discovery prompts (sourced from Keywords Everywhere search-volume data), each run 5 times in pure recall mode (no web). Score = frequency × (0.5 + 0.5 × log-prominence), volume-weighted. Read the full TOM methodology →