Feodis LLC, a New Mexico limited liability company, is a financial technology company, a Develop Credit company. It is not a bank, a credit union, or a depository institution, and it does not offer deposit accounts. Nothing sold here is FDIC or NCUA insured. Every payment you make is reported to all three nationwide credit bureaus: Equifax, Experian and TransUnion. You pay ahead, so you can never fall behind — if a payment stops, the membership simply ends and the account stops reporting. There is no missed month, because there was never an unpaid one. Feodis is not required to report and does so at its own election. No promise is made that this improves your credit score. Educational information only, not financial advice. Feodis does not promise, guarantee or predict any specific credit score increase, credit approval or loan outcome, and results vary with everything else on an individual’s credit file. Feodis does not provide credit repair, debt relief, debt settlement, lending, insurance, investment, legal or tax services. Payments are processed by Develop Credit LLC on Feodis’s behalf, so a charge may appear on your statement under the Develop Credit name.