Make credit building fun
Stay motivated with streaks, badges, and AI-powered insights that celebrate your progress and keep you on track.
Payment Streaks
Build momentum with consecutive months of on-time payments. Watch your streak grow and unlock rewards.
Month Streak
Keep it going!
Achievement Badges
Earn badges for milestones like reaching 700+ credit score, reporting rent for 6 months, and more.
AI-Powered Insights
Get personalized tips and predictions from our AI credit coach to maximize your score growth.
How we verify recurring payments
We only furnish recurring obligations that are proven through bank history. Every pattern is verified before reporting and re-verified before each furnish cycle.
One-time payments, peer-to-peer transfers, refunds, or irregular charges are not eligible, regardless of merchant category.
Data pull
Pull 90–180 days of transactions from Plaid, grouped by merchant + account.
Minimum activity
At least 3 separate payments to qualify as recurring.
Amount consistency
Amounts must stay within ±20% to be eligible.
Timing rules
Monthly: 28–33 days • Bi-weekly: 12–17 days • Weekly: 6–8 days.
Your data, your permission
Users must link their bank account via Plaid and give explicit consent before we furnish any recurring payment history to the bureaus.
CreditLink will only furnish data after the user has granted explicit authorization inside the platform.
Bank connection through Plaid verifies ownership and identity.
User consents to data furnishing and understands bureau submission.
Authorization is voluntary and can be withdrawn.
Only user-authorized, bank-verified recurring payments are furnished.
Fix credit errors instantly
Our AI scans your credit report for errors, generates legally compliant FCRA dispute letters, and helps you fix inaccuracies that are hurting your score.
Our FCRA-Compliant Process
30-Day Investigation
We investigate every dispute within the FCRA-mandated 30-day timeline.
Review Records
Cross-reference Plaid history and merchant records to verify accuracy.
Correct or Delete
If information is wrong, we correct or delete it from your report.
Update Bureau
Furnish corrected files directly to the credit bureau.
Negative Mark Detected
Found on Credit Report
ABC Collections - $245.00
This could be inaccurate or outdated
Powered by AI • FCRA Compliant
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.
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 Agencies
Your payment history is reported to credit reporting agencies — building your score with no extra effort.
Different by design
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 our advanced AI algorithms.
See your future credit score
Our AI predicts exactly how much your score will grow based on your payment history and habits. No more guessing.
Current
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Predicted
Higher
Score Growth
See your projected improvement
Security & Transparency
We partner with industry leaders and follow the highest security standards to keep your financial data safe and private.
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 reporting agencies to provide real credit reporting and education tools.
Credit building for less than a coffee
No loans. No hidden fees. No commitments. Just simple, transparent pricing that works for everyone.
Built for You
Designed for anyone looking to build or rebuild their credit.
New to U.S.
Build credit history from scratch without debt.
Renters
Turn rent into credit power. Perfect for freelancers.
Students
Start your financial journey with smart habits.
Rebuilders
Get back on track safely without new loans.
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.