KEY FEATURES
All-In-One Features Overview
Rent Reporting
Turn your largest monthly expense into credit history. We report your past and ongoing rent payments to the major bureaus so your good behavior actually counts.
Credit Builder Account
Build positive payment history with a structured, low-risk credit builder account – no hard inquiry and designed for people rebuilding or just starting out.
3-Bureau Credit Reports & Monitoring
See your full credit picture in one dashboard. Track changes, get alerts, and understand what’s helping or hurting your score.
Smart Credit Insights
Simple, actionable tips based on your credit report – not generic advice. Know exactly what to focus on next.
Why Choose Credzly?
Build Credit History The Simple, 3 Debt-Free Way
Credzly makes building credit history straightforward and stress-free. Instead of pushing loans and interest, we focus on reporting the positive habits you already have and giving you tools that work in the real world – rent reporting, credit builder accounts, and credit monitoring in a single, easy-to-use platform.
- Easy Onboarding – Sign up in minutes and start your journey.
- Easy Onboarding – Sign up in minutes and start your journey.
No New Debt Required
Improve your credit without taking on high-interest loans or risky credit cards.
Designed For Real People
Whether you’re rebuilding after mistakes or starting from scratch, Credzly is built for everyday people – not just “perfect” borrowers.
Fast Setup
Get started in minutes. Activate your tools and let the system work for you.
Secure & Trusted
Bank-level encryption, secure connections, and a platform built with privacy in mind.
Frequently asked Questions
Common questions about Credzly.
Q1: How does rent reporting work?
After you sign up and connect your rent payments, Credzly verifies your history and reports eligible rent payments to the major credit bureaus. This helps turn your
existing rent into positive payment history.
Q2: How long does it take to see results?
Every credit profile is different, but many members start seeing changes on their
reports within 3–6 months of consistent on-time payments and active use of
Credzly’s tools.
Q3: Will using Credzly hurt my credit?
No. We don’t perform hard credit pulls, and our tools are designed to build positive
history – not to push risky debt or high-interest products.
Q4: Is Credzly halal / interest-free?
Yes. Credzly’s model avoids charging interest and is designed to be debt-free and ethical. Many of our members value that it aligns with halal financial principles
Q5: Do I need good credit to start?
No. Credzly is designed for people rebuilding or starting from scratch. You can join
even with low or no credit score.
Q6: Can I cancel anytime?
Yes. You can cancel your plan at any time from your account settings. If you cancel before your 7-day trial ends, you will not be charged the full membership fee
Q7: Which credit bureaus do you report to?
We work with major U.S. credit bureaus. Exact coverage may vary by product and program, and we’ll clearly show you what’s available when you sign up.
Q8: Is Credzly available outside the United States?
Right now, Credzly is focused on people with a U.S. credit report. If you’re outside the U.S., join the waitlist to be notified as we expand.