About

45 Million Americans Are Invisible to the System That Decides Their Financial Future.

That is roughly the population the Consumer Financial Protection Bureau describes as “credit invisible” or unscoreable — about 26 million with no file at the nationwide bureaus at all, and another 19 million whose file is too thin to score. Not because they have done anything wrong, but because creditworthiness is measured through a narrow set of accounts: mortgages, auto loans, traditional cards. Rent, utilities and on-time gig income rarely count.

A scoring model cannot judge what it cannot see. For a thin file the problem is not a bad history — it is the absence of one.

What We Actually Do

We open an account in your name at a set reported limit, and every month we report the payment on it to all three credit bureaus. That is the entire product. Plans start at $7.99 a month, there is no credit check, and you can hold up to 3 accounts — one at each limit — each its own subscription that you can cancel on its own.

We are not a bank. We do not lend, we hold no deposits, and nothing we sell is FDIC or NCUA insured. We are a financial technology company and a Develop Credit company, and the reporting itself is carried out by a separate service we engage — the terms set that out in full before you sign anything.

What We Will Not Tell You

We will not promise that this raises your credit score. Nobody selling anything in this category honestly can — your score is calculated from your whole file, and a new reported account is one input among many. What we can tell you is the mechanical part: the account exists, and the payment on it gets reported.

We will not tell you it is fast. Reporting runs monthly and the bureaus process on their own schedule, so allow up to two months before a new account appears on your report. Nobody in this industry can shorten that, and anyone promising faster is describing something other than how credit reporting works.

And we will not overstate what stopping costs 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 lose is what comes next, not what you have already built. We would rather you knew that before you paid than discover it afterwards.

How We Operate

Cancelling takes one page and one button, with no fee, no notice period and no retention call. Prices are on the pricing page rather than behind a form. We do not run testimonials or star ratings, because we have not earned any yet and inventing them is what the rest of this category does.

We never sell your data. What we collect, why, and which kinds of company handle it is set out in the privacy policy, and what binds you is in the membership terms — one page, not nineteen.

Who You’re Dealing With

Feodis LLC is a New Mexico limited liability company, a Develop Credit company, based at 4405 Jager Dr NE, Rio Rancho, NM 87144 — the same company and the same address named in our terms. Feodis is the furnisher of record for this membership: the party responsible for what gets reported to Equifax, Experian and TransUnion and for fixing it if something is wrong, whatever service we engage behind the scenes to carry it out.