How to Fix Your Credit Score with Credit Building Products A low credit score can feel like a weight around your neck, preventing you from getting approved for loans, credit cards, and mortgages. If your score is low, don't despair—there are steps you can take to improve it. One of the best ways to boost your credit score is by using credit building products. Credit building products are designed to help people with bad credit improve their scores. These products work by extending a small amount of credit to the customer and then reporting the activity to the credit bureaus. By responsibly using a credit building product and making timely payments, you can give your score a much-needed boost.