The Credit Builders — Build Credit. Build Possibility.
A Modern Credit-Building Platform

Build credit.
Build possibility.

The Credit Builders brings credit-building accounts, rent reporting, credit monitoring, education, and business-credit resources into one clear platform.

✓ Personal & Business✓ Education-first✓ Practical tools
THE CREDIT BUILDERS Credit Monitoring PERSONAL BUSINESS EQUIFAX742MONITORED EXPERIAN728MONITORED TRANSUNION736MONITORED Credit-file changesVIEW → Account activityVIEW → Alerts & updatesVIEW → UNSECURED Credit Builder Installment Account No security deposit • Structured payments SECURED Deposit-based installment structure Subject to applicable account terms
ONE PLATFORM. MULTIPLE WAYS TO BUILD.
Rent ReportingCredit Builder AccountsCredit MonitoringCredit EducationBusiness Credit
Our Services

Everything starts with understanding your credit.

Choose the service that matches where you are today. Build knowledge, establish responsible payment history, monitor your profile, and prepare for what's next.

01

Rent Reporting

Eligible rental payment history may be furnished to participating credit bureaus, subject to program requirements.

Learn about rent reporting →
02

Credit Builder Accounts

Choose between an unsecured or secured installment account structure, subject to qualification and customer terms.

Compare accounts →
03

Credit Monitoring

Personal and commercial monitoring designed to provide visibility into available credit-file activity and changes.

See monitoring →
04

Credit Education

Education covering civil and consumer law concepts related to credit reporting, rights, responsibilities, credit use, and debt management.

Explore education →
05

Credit Resources

Practical guides, tools, and resources that make credit and debt management easier to understand.

View resources →
06

Business Credit Education

Learn business-credit fundamentals, reporting concepts, vendor accounts, and preparation for future financing.

Explore business credit →
Credit Builder Accounts

Two account structures.
A clear choice.

Both are installment-account products. The key difference is whether a security deposit is part of the account structure.

Simple difference: Unsecured = no security deposit. Secured = security deposit is part of the account structure. Availability, pricing, eligibility, furnishing, and bureau acceptance depend on the applicable program and customer agreement.
Credit Monitoring

See your credit more clearly.

Our API-powered monitoring service can provide personal and commercial credit visibility. Personal coverage can include Equifax, Experian, and TransUnion depending on the selected provider and program. Commercial coverage varies by data provider and business profile.

✓Personal: visibility across participating consumer bureaus.
✓Commercial: business-credit visibility through participating commercial data sources.
✓Alerts: available changes and activity can be easier to review in one place.
Explore Monitoring →
Personal Credit Overview● MONITORING ACTIVE
Equifax742AVAILABLE
Experian728AVAILABLE
TransUnion736AVAILABLE
Credit-file changesReview →
New account activityReview →
Inquiry activityReview →
RENT REPORTINGEligible rent historyMONTHLY RENT PAYMENT$2,100ELIGIBLE / PAIDReporting is subject to program, customer, and bureau requirements.
Flagship Service

Make qualifying rent history part of the conversation.

Rent is a major recurring expense. Our rent reporting service is designed to help eligible customers have qualifying rental payment history furnished to participating credit bureaus.

✓Designed for eligible rental payment history
✓Furnishing depends on program requirements
✓No promise of a particular score increase
Explore Rent Reporting →
How It Works

A simpler way to move forward.

Start with where you are. Choose the tools that fit. Build consistently.

STEP 01

Understand

Learn what is on your credit profile and what the information means.

STEP 02

Choose

Select the products and education that fit your current goals and eligibility.

STEP 03

Build

Use responsible payment and debt-management habits consistently.

STEP 04

Prepare

Use stronger knowledge and organized credit information for your next financial goal.

Education First

Know the system.
Know your responsibilities.

Our education goes beyond a credit score. It includes civil and consumer law concepts related to credit reporting, consumer rights and responsibilities, credit use, debt management, and dispute fundamentals.

✓Credit reporting concepts
✓Consumer rights and responsibilities
✓Credit and debt management
✓Responsible credit use
Explore Education →

Knowledge is part of your financial foundation.

✓Understand how credit reporting works.
✓Learn the responsibilities that come with credit and debt.
✓Review your credit information with greater confidence.
✓Build habits that support long-term financial progress.
Resources

Clarity is part of the product.

Practical tools and educational resources for personal and business credit.

A

Credit Resources

Guides and tools to help you understand credit, debt, reporting, and responsible credit management.

B

Business Credit

Education around business-credit foundations, reporting, vendor accounts, and preparation for financing.

C

Financial Readiness

Build knowledge and habits before approaching future credit, housing, financing, or business opportunities.

Your credit profile is a financial tool. Learn it. Build it. Manage it.

THE CREDIT BUILDERS
YOUR NEXT STEP

Build credit. Build possibility.

Choose the service that fits where you are today and start building from there.

Get Started →