“I had no credit history at all. My landlord asked for a co-signer. Six months in, I didn’t need one anymore.”
Priya S.
Austin, TX
Build credit for $5/mo
A $3,000 credit tradeline reported to Experian every month. No credit check. No hidden fees.
- Avg Score Lift*
- +86 pts
- Tradeline to Experian
- $3k
- Money-Back Guarantee
- 60-day
- Credit Checks Required
- 0
Your credit score
+86
PoorFairGoodExcellent
Utilization
24%
Tradeline
$3,000
Jan
Feb
Mar
Apr
May
Jun
How it works
Three steps. That's the whole thing.
01
Subscribe
Sign up for KreditBuilder Lite at just $5/month. No credit check required — anyone can get started.
02
We report
We open a $3,000 tradeline and report your on-time payments to Experian every single month.
03
Watch it build
Most members see their score start moving in 1–3 months as on-time payments and lower utilization work in their favor.
Why it works
Lower your credit utilization.
Utilization — the share of your available credit you’re using — drives roughly 30% of your score.
60%
$1,200 used$2,000 limit
Before — high
−36%
24%
$1,200 used$5,000 limit
After — healthy
People like you
Built alongside our members
Quiet, steady wins from people who used KreditBuilder to get to their next thing — a lease, a loan, a little less stress at the end of the month.
Marcus & Lena · Atlanta, GA
“We weren’t trying to chase a number. We just wanted a fair shot at our first lease. KreditBuilder gave us that .”
“I’m still in school. $5 a month was something I could actually budget for, and the score moved without me having to think about it.”
Jordan K.
Seattle, WA
Pricing
One plan, no surprises
KreditBuilder Lite
$5/mo
Flat. No tiers, no add-ons.
- No interest charges
- No hidden fees
- Cancel anytime
- Online dashboard
- Free score monitoring
- Reported monthly to Experian
Monthly cost
$5
Tradeline
$3,000
Credit checks
Zero
Refund window
60 days
Member story
“My score moved up 70 points in three months. The $5 is the easiest part of my budget.”
Jessica L. — Chicago, IL
FAQ
Questions, asked plainly
The short, honest version of what KreditBuilder Lite does — and what it doesn't.
KreditBuilder Lite is a credit-building service. For $5 a month, we add a $3,000 tradeline to your credit file and report your on-time payments to Experian every month.
Yes! A new tradeline with low utilization and on-time payments is one of the most effective ways to build credit history. Most members see their score start moving in the first 1–3 months — everyone's file is different, but the mechanics work for the vast majority.
Absolutely not. We don't run a hard or soft credit check to sign up. KreditBuilder works for any credit level.
When you subscribe, we open a credit account with a $3,000 limit in your name. Your $5 monthly payment keeps a small balance that we report as paid on time. That on-time history is what builds your credit file.
Yes — no contract, no commitment. Cancel from your dashboard whenever you want. If you cancel within your first 60 days, you get a full refund.
We report your on-time payments to Experian every month. Your $3,000 tradeline shows up on your Experian credit report.
A secured card asks you to put down a deposit — often a few hundred dollars — before you get any credit. With KreditBuilder you pay $5 a month, and we report a $3,000 tradeline without locking up your money.
Credit utilization is the percentage of your available credit that you're actually using — for example, $1,200 used on a $2,000 limit is 60%. It makes up about 30% of your credit score. A $3,000 tradeline raises your total available credit, which lowers your utilization ratio.
Our mission
Everyone deserves a fair shot at good credit.
Built with empathy
Credit shouldn’t feel like a test you have to pass.
For everyone
Starting fresh or rebuilding — we meet you where you are.
Simple by design
One price, one plan, plain language.
Ready to build your credit?
$5 a month, no credit check, and we handle the reporting. Cancel anytime.
Stay in the loop
Short, honest notes about credit and KreditBuilder. About once a month. Unsubscribe in one click.
Plain-English credit tips
Heads-up on product changes
Roughly once a month, no spam