Build your credit score automaticallyno loans, no credit cards
Use your everyday payments — rent, bills, and subscriptions — to grow your credit faster and smarter.
Bank-level security. Powered by Plaid for safe, encrypted connections.
We never store your banking credentials.
Your Credit Score,
In Your Pocket
Track your progress, manage payments, and watch your credit score grow — all from one beautiful app designed for iOS and Android.
What our users are saying:
Sarah M.
"Gained 65 points in 3 months! This app changed my life."
James W.
"Way better than Self. No loans, just results. Love the AI coach!"
Download now and start building credit:
CreditLink
Updated today
Your Credit Score
Recent Activity
Rent Payment
Reported to bureaus
$1,200
Today
Utilities
Reported to bureaus
$145
2d ago
1,247+
People Joined Early Access
+84
Average Point Increase
3
Major Bureaus Covered
$0
In Loans Required
Building credit has never been easier
Connect your bank, let our AI work its magic, and watch your credit score grow. No loans. No complexity. Just results.
Connect Your Bank Securely
Link your account safely using Plaid — just like you do with trusted apps like Venmo or Robinhood.
We Detect Your Recurring Payments
Our AI automatically finds verified payments like rent, utilities, and subscriptions.
We Report to Credit Bureaus
Your payment history is reported to Experian, Equifax, and TransUnion — building your score with no extra effort.
Why Choose CreditLink
We're different from traditional credit builders. Here's why thousands choose us.
No loans or hidden fees
We don't lend, we empower. No interest charges, no debt, no hidden costs — just transparent pricing.
Rent counts now
Finally, your biggest monthly payment helps your credit. Turn rent into credit-building power.
Automated & effortless
Set it once, and your score grows automatically. No manual reporting or paperwork needed.
AI Credit Coach
Get insights on how to boost your score faster with personalized recommendations powered by AI.
See Your Future Credit Score
Our AI predicts exactly how much your score will grow based on your payment history and habits.
Your Predicted Growth
Here's what you could achieve in 3 months
Current Score
620
Predicted Score
704
+84 Points
Average increase in 3 months
Report rent + 2 utilities consistently
Maintain on-time payment streak
Add back-reporting for instant boost
What This Means for You
Reach these milestones faster
700 Club
Qualify for premium credit cards and better interest rates
Rent Master
Get approved for your dream apartment with confidence
Utility Pro
Save thousands on loans with lower interest rates
Security & Transparency
We partner with industry leaders and follow the highest security standards to keep your financial data safe and private.
TRUSTED BY INDUSTRY LEADERS
Secured by Plaid
Bank-level encryption and secure connections
Encrypted with 256-bit AES technology
The same encryption used by banks worldwide
Your data is never sold or shared
We never sell or share your information with third parties
Compliant with U.S. consumer data laws
FCRA, GDPR, and SOC2 compliant
CreditLink works with major U.S. banks and credit bureaus to provide real credit reporting and education tools.
How We Compare
See how CreditLink stacks up against other credit building options. No loans. No debt. Just smarter credit building.
Monthly Cost
Number of Tradelines
Requires Loan/Debt
Report Rent Payments
Report Utilities
Report Subscriptions
AI Credit Coach
Back Reporting (12-24 months)
AI Payment Builder
Instant Setup
Credit Bureau Reporting
Interest Charges
| Feature | CreditLinkThat's us! | SelfTraditional | Experian BoostFree Option | KikoffEntry-Level |
|---|---|---|---|---|
| Monthly Cost★ | $11.99 - $24.99 | $25+ (plus interest) | Free | $5/month |
| Number of Tradelines★ | 5-9 Tradelines | 1 Account | Unlimited | 1 Tradeline |
| Requires Loan/Debt★ | ||||
| Report Rent Payments | ||||
| Report Utilities | ||||
| Report Subscriptions | ||||
| AI Credit Coach★ | ||||
| Back Reporting (12-24 months)★ | ||||
| AI Payment Builder★ | ||||
| Instant Setup | ||||
| Credit Bureau Reporting | All 3 Bureaus | All 3 Bureaus | Experian Only | All 3 Bureaus |
| Interest Charges★ |
CreditLink vs Kikoff: Which is Right for You?
Kikoff is a great entry-level credit tool with a simple $5/month plan that reports one tradeline to help users begin building credit. It's affordable and helpful for people who just need a small starting point.
CreditLink Starter ($11.99/month) is built for users who want more reporting power, faster results, and deeper credit growth.
Instead of reporting a single account, CreditLink reports 5 real monthly tradelines from everyday payments you already make — including rent, utilities, subscriptions, and recurring bills — helping you build a stronger and more diverse credit profile.
CreditLink also includes:
- Back Reporting: Add past rent history for an instant boost
- Ongoing Reporting: Keep your history active for as low as $0.99/month
- AI Credit Coach & Score Simulator for personalized guidance
- AI Payment Builder to optimize how your payments are reported
Kikoff: 1 tradeline — simple credit start.
CreditLink: 5 tradelines + Back Reporting + AI tools — deeper, faster, long-term credit growth.
Both platforms help build credit — CreditLink simply offers more reporting power, more data, and more ways to accelerate results.
* Pricing based on publicly available information as of 2024
Start building credit for less than a coffee
No loans. No hidden fees. No commitments. Just simple, transparent pricing that works for everyone.
Real people. Real results.
Join thousands of users building credit with everyday payments. Here's what they're saying.
“My credit score went from 580 to 652 in just 2 months! CreditLink automatically reported my rent and utilities. Game changer for immigrants like me.”
“Finally hit the 700 Club! The AI Coach predicted my score growth perfectly. Best $10/month I've ever spent.”
“Fresh out of college with no credit history. CreditLink's back-reporting added 12 months of rent payments instantly. Now I have a 680 score!”
“Way better than Self. No loans, no interest charges. Just connected my bank and it does everything automatically. Gained 89 points so far!”
“My husband and I are both building credit together with the Family plan. Love the shared goals feature. We're both over 700 now!”
“I love that there's no interest or loans involved. Just reporting my actual payments. Simple, transparent, and ethical. Exactly what I needed!”
“Gig worker here. CreditLink reports my phone bill, Netflix, and utilities. Went from 545 to 628 in 3 months. Finally got approved for that apartment!”
“The gamification keeps me motivated! I'm on a 60-day streak and earned my 'Rent Master' badge. Growth my score is up 45 points!”
“Customer support is amazing. The AI Score Simulator showed me exactly what I needed to do. Followed the advice and gained 65 points in 3 months!”
Who It's For
CreditLink is designed for anyone looking to build or rebuild their credit through everyday payments.
New to the U.S.
Building your first U.S. credit history from scratch
Renters & gig workers
Turn your rent and regular payments into credit-building power
Students & young professionals
Start your financial journey with smart credit building habits
Rebuilding or starting credit
Get back on track or start fresh without taking on new debt
Users who prefer Halal and interest-free options
Build credit the ethical way — no loans, no interest, no debt
Frequently Asked Questions
Everything you need to know about building credit with CreditLink. Can't find what you're looking for? Contact our support team.
Still have questions?
Our support team is here to help. Get in touch and we'll get back to you within 24 hours.