The credit builder app that turns on-time payments into credit history

Build credit history.
No deposit, starting at $5 a month.

Credit Builder is a line of credit that reports to the credit bureaus. No security deposit and every on-time payment builds your history.

Get started

0% APR. No annual fees.3 Month-to-month subscription. Cancel anytime.

A $1,500+ line of credit, on your reports

Life goals are easier with good credit.

A loan, a car, an apartment. They all get easier once you have good credit history behind you.

No security deposit
No credit card required
0% APR3
No annual fees3
Month-to-month, cancel anytime
A $1,500+ line of credit, on your reports
No ads
Bank-level encryption
Built for people, not advertisers
No security deposit
No credit card required
0% APR3
No annual fees3
Month-to-month, cancel anytime
A $1,500+ line of credit, on your reports
No ads
Bank-level encryption
Built for people, not advertisers
No security deposit
No credit card required
0% APR3
No annual fees3
Month-to-month, cancel anytime
A $1,500+ line of credit, on your reports
No ads
Bank-level encryption
Built for people, not advertisers

+31

points in 6 months1

Credit Builder users experienced an average 31-point credit score increase over six months.

How it works

Three steps to your new credit line.

  1. Turn it on

    Opt in from the Solid app and confirm a few details. Cross River Bank reviews your application.

  2. Your line pays your subscription

    Each month your line of credit pays your Solid subscription, and you repay the line. That repayment is what gets reported.

  3. Your account starts reporting

    Your tradeline is typically established within 7 days and we report payment history monthly to the credit bureaus.2

The proof

Watch it appear.

Your credit reports live right in your Solid app. When your new account arrives you will see it there, and you will watch every on-time payment land.

Every on-time payment is reported.

What else you get

Credit Builder is one part of Solid Credit.

  • Credit monitoring

    Your reports and scores, watched for you, with alerts that say what changed and what to do next.

  • A personalized credit plan

    A plan built from your own reports and ranked by what matters most, not generic tips.

  • Ask Solid, your AI credit expert

    Ask anything about your credit in plain English and get an answer built on your actual reports.

And the payment that covers all of it is the same payment building your credit history.

Two people talking over coffee at a bright cafe table

Why history matters

The apartment, the car, the card…
It starts with credit history.

Plans

One subscription. Credit history included.

Free
$0.00

Expert credit guidance for all

  • You upload your own reports from annualcreditreport.com
  • Rent & bill reporting
  • Personalized credit action plan
  • Ask Solid, your AI credit coach
  • Bank-level security
  • No
  • No credit score, monitoring or alerts
Entry
$5/mo

Easy to start, cancel any time

  • $1,500 reported ‡
  • Rent & bill reporting
  • Weekly Equifax credit report, score & checkup
  • Daily alerts & monitoring
  • Personalized credit action plan
  • Ask Solid, your AI credit coach
  • Bank-level security
Plus
Team pick
$15/mo

Find a better value, we dare you

  • All the perks of Entry
  • $2,500 reported ‡
  • Rent & bill reporting
  • Allstate® Identity Protection, including up to $1M identity theft reimbursement† and dark web monitoring
Premium
$35/mo

Creditmaxxing!

  • All the perks of Entry & Plus
  • $5,000 reported ‡
  • Rent & bill reporting
  • Credit reports and scores from Equifax, TransUnion, and Experian
  • Allstate® Identity Protection†
  • Premium support
Get started

Common questions

Build credit history, and so much more.

A real line of credit, your reports and scores watched for you, and a plan built from them. Starting at $5 a month.

Build credit history

0% APR. No annual fees.3 Month-to-month subscription. Cancel anytime.