$14.99/month · No credit check
Get a Real Account on Your Credit File.
We report your payments — that is the whole product. An account is opened in your name and the monthly payment on it is furnished to all three credit bureaus — Equifax, Experian and TransUnion — the same way any lender reports an account you hold with them.
No credit check, no hard pull, no minimum score · cancel in one step, no fee
What You Get
- Your payment activity reported to Equifax, Experian and TransUnion every month.
- An account opened in your name with a reported limit.
- One agreement on one page, and you keep a signed copy of it.
- Cancel in one step, with no fee and no notice period.
Experian VantageScore 3.0
587
well above the 30% threshold · sample report
45M+
Americans are credit invisible or have too thin a file to score
35%
of a FICO score is payment history — the largest single factor
3
accounts you can have reported, from $7.99 a month
Why this matters now
The Longer a Problem Sits, the Longer It Costs You.
Late payments and collections don’t disappear — they stay on your report for up to seven years. But their effect on your score is largest right after they’re reported and fades the longer you go without a new one. That means the sooner you know what’s on your file, the sooner that clock starts working in your favor instead of against it.
This isn’t about a deadline. It’s about the fact that every month you don’t know what’s hurting your score is a month it keeps costing you.
What a low score actually costs
$12,559
more, on average, that a subprime borrower (under 620) pays over the life of a typical auto loan compared to a super-prime borrower (720+) — even after shopping for the best available rate.
Source: LendingTree analysis of auto loan offers by credit tier, 2025–2026.
40%
Payment history is the biggest factor
It’s roughly 40% of a VantageScore 3.0 score — more than any other single factor. A reporting tradeline with on-time payments builds exactly the kind of history that factor rewards.
30%
Utilization is the second-biggest
Keeping balances under 30% of your available credit is one of the fastest-moving levers in most scoring models — it can shift a score within a single billing cycle, not months.
7 Yrs
How long negative marks stay — and fade
Late payments and collections remain on your report for up to seven years, but their weight on your score decreases the longer you go without a new one.
Reported to all three
Not one bureau, not two. The same three a lender pulls from when they decide about you.
Getting started
Three Steps. No Guesswork.
Pick a Reported Limit
$1,000, $2,500 or $5,000. No credit check, no hard pull, no minimum score.
We Open the Account
In your name, at that limit, the moment your membership starts.
We Report It Every Month
Your payment on it goes to Equifax, Experian and TransUnion. Allow up to two months to appear.
Why there are no reviews on this page
We have not earned any yet, and inventing them is what the rest of this category does.
So instead of asking you to trust a number we made up, here is what you can check for yourself before you pay anything.
The price is on the page, not behind a form
Three plans, three prices, both billing options and the renewal terms — all readable without giving us an email address.
See the pricesWe tell you it is slow before you pay
Up to two months before a new account appears on your report. That is on the pricing page and in the FAQ, not in a welcome email after the charge.
Read the FAQCancelling is one page and one button
No phone call, no retention offer, no reason required, no fee, no notice period. The cancel page is linked from the footer of every page here.
See the cancel pageWe do not promise a score increase
Nobody selling anything in this category honestly can. We can tell you what happens mechanically; what your score does with it depends on the rest of your file.
What we will not tell youPlans
Pick the Limit You Want Reported.
Every plan does the same thing: opens an account in your name and reports the payment on it every month. The only difference is the account limit that appears on your file.
Feodis Credit Builder
$1,000
Reported account limit
$7.99/month
A thin file that needs its first reported account.
Start reporting — $7.99/moOr $79.90/year — save $15.98$7.99 monthly until you cancel, or $6.66/mo paid yearly. Cancel any time, no fee, no notice period.
Most chosen
Feodis Credit Builder Plus
$2,500
Reported account limit
$14.99/month
Rebuilding, and wants a larger reported limit on file.
Start reporting — $14.99/moOr $149.90/year — save $29.98$14.99 monthly until you cancel, or $12.49/mo paid yearly. Cancel any time, no fee, no notice period.
Feodis Credit Builder Pro
$5,000
Reported account limit
$24.99/month
Maximum reported capacity, for a file being rebuilt in earnest.
Start reporting — $24.99/moOr $249.90/year — save $49.98$24.99 monthly until you cancel, or $20.83/mo paid yearly. Cancel any time, no fee, no notice period.
Before you decide
The Four Things People Ask, Including the Awkward Ones.
Will this raise my credit score?
We do not know, and nobody selling you anything in this category does either. What we can tell you is what happens mechanically: an account is opened in your name and its payment history is reported. What your score does with that depends on everything else on your file.
How fast will I see it?
Expect up to two months before the account appears on your report. The first submission goes on the next monthly run, then each bureau processes it in its own time. Often sooner. Plan for two.
What happens if I stop paying?
Nothing is reported against you. You pay ahead, so you can never fall behind — if a payment stops, the membership ends and the account stops reporting. There is no missed month, because there was never an unpaid one. What you have already built stays on your file.
How hard is it to cancel?
Sign in, pick the account, done. We ask you to sign in because cancelling ends a real subscription — it is the same emailed link you used to sign up. No phone call, no retention offer, no fee. Your membership runs to the end of the period you paid for and then stops.
$2,500 reported limit · no credit check · cancel any time, no fee