About Credzly
Credzly Is A Modern, Debt-Free Credit Platform
our story
Story of Financial Empowerment
The journey of Credzly began with a deep-seated belief that financial well-being should not be a privilege, but a right. Our founder, Farhan Qureshi, witnessed firsthand the crippling impact of poor credit on hardworking individuals—the struggle to secure housing, obtain fair loan rates, and achieve basic financial stability. It was this realization that led to the creation of a modern solution. Credzly was born out of a necessity to simplify the complex, debt-ridden traditional credit systems. We set out to build an ethical, accessible, and high-impact platform that uses low-risk methods, like rent reporting, to help people from humble beginnings transition to high financial impact. Our story is one of innovation, empathy, and a commitment to transforming setbacks into triumphant comebacks for thousands worldwide.
our mission
Our core mission is to make the process of credit building profoundly simple, transparent, and completely accessible for all individuals, regardless of their current financial background. Credzly provides a modern, debt-free credit platform specifically designed for those looking to break financial barriers and establish a robust credit history. By moving away from traditionally complex credit routes and leveraging user-friendly technology, we empower individuals. Our aim is to ensure that the journey to building strong credit is stress-free and that the attainment of financial freedom becomes a reality for everyone.
our vision
Our vision is to create a world where every individual can not only control but actively shape their financial future with complete confidence and ease. We aim to transform the perception of credit health management, establishing Credzly as the most trusted, comprehensive, and ‘All-in-One’ ecosystem. This ecosystem will provide more than just credit-building tools; it will offer continuous financial education, guidance, and unwavering support. We strive to promote genuine Financial Inclusion so that our users can unlock better loan rates, opportunities, and overall financial.
our goals
Our foremost goal is to successfully help millions of people rebuild, significantly improve, and maintain their credit scores within the next 5 years. This objective will be achieved by expanding the reach of our core offerings, including our simple Monthly and Annual subscription plans, across diverse markets. Furthermore, we take our social responsibility seriously. A key goal is to dedicate a consistent 5% of our profits to charitable causes, ensuring we make a positive impact not only on our users’ finances but also on the broader community in need, thereby integrating success with social good.
our story
Farhan Qureshi: Founder & Chief Executive Officer
Farhan Qureshi is the visionary force driving Credzly’s mission to redefine financial accessibility. With over a decade of deep expertise in Fintech innovation and consumer credit analysis, Farhan recognized the urgent need for an ethical, debt-free solution in the credit building space. His leadership is marked by a unique blend of technological acumen and profound social empathy, stemming from his early career experiences. Farhan holds a Master’s degree in Financial Technology and has consistently championed financial literacy initiatives. As CEO, he not only oversees the strategic direction and technological development of the platform but is personally committed to ensuring that Credzly remains true to its core value: transforming financial setbacks into sustainable success stories for every single user.
testimonials
Thousands Are Rebuilding Their Credit With Credzly
Results vary by individual. These are real experiences; your results may differ.
new York , USA
I went from being ignored by lenders to qualifying for my first home. Credzly made the process simple and actually showed me what to focus on.
Washington , USA
The dashboard is clean, the alerts make sense, and I finally understand my credit report instead of being scared of it.
Houston Texas , USA
My rent finally counts for something. I wish this existed years ago. My score started moving within a few months.
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.