Credit Builder
Turn everyday payments — purchases, rent, utilities, subscriptions — into positive credit history reported to all three bureaus. Subscription-to-tradeline or card-based, your choice.
Key benefits
Differentiate with a feature that directly improves your users' financial lives.
Extend retention and grow revenue as users build their credit.
Go live in weeks with minimal development effort.
Engaged users drive more core-product revenue, supporting your growth targets.
Customize the experience to your brand for a seamless user journey.
Credit data informs product decisions and unlocks future monetization.
How it works
Launch in weeks without extensive development work.
Regular payments become credit-reportable tradelines, with no manual work for you or your users.
Match your look and feel to maintain consistency and trust.
Users track their progress and get insights as their score grows — driving engagement.
Rent & utility reporting
Turn rent and utility payments into a revenue stream for you and a positive credit-building history for your users. The same automated reporting, applied to the biggest payments most people make every month.
Grow revenue as users build their credit, differentiate with a feature that matters, and launch in just weeks with minimal development effort.
Upward enabled us to launch a credit builder in just weeks. We've unlocked a new revenue stream with a product that really resonates with the hourly workforce.
See how quickly a credit builder can be live on your platform.