How Credzly Works
Learn how our credit-building solutions can help you achieve your financial goals
Credzly offers multiple ways to build your credit score, designed to fit your unique financial situation. Whether you're starting from scratch or rebuilding your credit, we have solutions that can help.
All of our services report to the three major credit bureaus—Experian, Equifax, and TransUnion—to maximize the impact on your credit score. Our team of credit specialists is also available to provide guidance and support throughout your credit-building journey.
Our Credit-Building Solutions
Your rent payments can be one of your biggest monthly expenses, yet they typically don't help build your credit.
With Credzly's Rent Reporting service, we report your on-time rent payments to all three major credit bureaus, helping you build credit history with payments you're already making.
Rent Reporting
How It Works:
Sign up for our Rent Reporting service and provide information about your rental history.
We verify your rental information with your landlord or property management company.
We report up to 24 months of past rent payments and continue reporting your monthly payments.
Watch your credit score improve as your positive rental history is added to your credit report.
Our Credit Builder Account helps you build credit while you save. Unlike traditional loans, you don't receive the money upfront.
Instead, you make monthly payments into a secured account, and these payments are reported to the credit bureaus. At the end of the term, you receive all your money back (minus fees).
Credit Builder Account
Choose your monthly payment amount and term length (6, 12, or 24 months).How It Works:
Make monthly payments that are reported to all three major credit bureausBuild credit history with each on-time payment.At the end of the term, receive your money back in full (minus any fees).
Our Secured Credit Card is designed for those looking to build or rebuild their credit.
The card is backed by a security deposit, which determines your credit limit. As you use the card responsibly, we report your activity to all three major credit bureaus, helping you establish a positive credit history.
Secured Credit Card
How It Works:
Apply for the Secured Credit Card with no credit check required.Make a security deposit (minimum $200) which becomes your credit limit.Use your card for everyday purchases and pay your balance on time.Build credit as your responsible card usage is reported to credit bureaus.Getting Started is Easy
Begin your credit-building journey with Credzly in just a few simple steps
1. Create Your Account
Sign up online in just a few minutes. No credit check required.
Our simple signup process takes less than 5 minutes to complete. You'll need to provide basic information and verify your identity.
2. Choose Your Services
Select the credit-building solutions that best fit your needs.
Our simple signup process takes less than 5 minutes to complete. You'll need to provide basic information and verify your identity.
03. Build Your Credit
Watch your credit score grow as you use our services.
Our simple signup process takes less than 5 minutes to complete. You'll need to provide basic information and verify your identity.