Build credit for $5/mo

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.