The credit builder app from Solid CreditBuild credit history.No deposit, starting at $5 a month.

Credit Builder is a line of credit that works like a store card for one store: Solid Credit. It pays your monthly subscription, you repay it, and your on-time payments and your credit limit go on your credit reports.4

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0% APR. No annual fees.3 Month-to-month subscription. Cancel anytime.A $1,500+ line of credit, on your reports
+31

points in 6 months1

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

What is a credit builder?

A simple way to add on-time payments to your credit reports.4

A credit builder is an account designed to add positive payment history to your credit reports. Ours works like a store card: a line of credit that pays your monthly Solid Credit subscription. Each month you repay that amount and the on-time payment goes on your credit reports.4

Read: What is a credit builder?

Three steps to your new credit line.

  1. 1

    Apply in minutes

    Apply in the Solid Credit app. It's a soft inquiry, so applying won't affect your credit score. Cross River Bank reviews your application.

  2. 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.4

  3. 3

    Your account starts reporting

    Your tradeline is typically established within 7 days and we report payment history monthly to the credit bureaus.2,4

Watch it appear.
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Plans

One subscription. Credit history included.

Entry
$5/mo

Easy to start, cancel any time

  • Adds a $1,500 credit-builder tradeline account reported to Experian and Equifax. Pays your Solid Credit subscription and reports your on-time repayment.4 No physical card or cash provided.‡
  • 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
Get startedSee all plans
  • No security deposit
  • Month-to-month, cancel anytime
  • No hard credit check to apply
  • Works like a store card for your subscription

Common questions

Credit Builder is a line of credit from our bank partner that works like a store card. A store card is used at one store; Credit Builder is used to pay your Solid Credit subscription. Each month you borrow the cost of your subscription from the line and repay it. Those on-time payments are reported to the credit bureaus, along with your credit limit. That works on the two biggest factors in your credit score: payment history and utilization.4,5

$1,500 is your credit limit, and it's reported to the credit bureaus as part of your credit history. The line pays your Solid Credit subscription each month, and you repay that amount. It can't be used for cash or other purchases.

Credit utilization is your total balances divided by your total credit limits, across all your cards and lines. Credit Builder adds a $1,500 limit with a small balance, your subscription, to that math. What it does to your overall number depends on your other accounts.

No. Applying uses a soft inquiry, which won't affect your credit score. If you're approved, a new account from Upward Financial, our partner, appears on your credit report.

No security deposit, 0% APR, and no annual fees. Credit Builder comes with your Solid Credit subscription, which is required.3

Your tradeline is typically established within 7 days and we report payment history monthly to the credit bureaus.2,4

Your payments are reported to Equifax and Experian every month.4

Credit Builder users experienced an average 31-point credit score increase over six months.1 Results vary, because your score depends on your whole credit file.

Anyone who wants to build credit history without a deposit: people starting from scratch, people with a thin file, and people rebuilding after past mistakes. You can apply with a Social Security number or an ITIN.

You can cancel anytime, and you can re-enroll later if you change your mind. Closing any credit account may affect your credit by lowering the total credit reported in your name and changing your utilization.

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