CredLift turns your monthly payment into a verified tradeline reported to all three credit bureaus. Real credit growth. Real housing access. Starting at $5/month.
Start Building Credit — $5/mo5 steps to build your credit score from scratch — delivered to your inbox.
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Verified member reviews — no incentives or paid testimonials
"I went from 580 to 680 in 8 months just by reporting my rent. I didn't change anything about how I spent money — I just made it count toward my credit."
"I had no credit history at all — couldn't even get a secured card. My landlord verified my payments and 6 months later I was approved for my first credit card."
"I was paying $1,400/month in rent with a 620 score — too low for any landlord to take me seriously. Now I'm at 710 and finally in my own apartment."
You pay rent on time every month. You cover your utilities, your phone, your subscriptions. None of it counts. The system only sees what it tracks, and right now, it doesn't track you.
No credit score means automatic rejection from landlords and property managers, even with perfect payment history.
Can't get a credit card without a score. Can't build a score without credit. The catch-22 that traps 45 million Americans.
Mortgage lenders require minimum scores. Without one, the dream of ownership stays out of reach, no matter how much you earn.
No credit check. No deposit. No catch. Pick a plan starting at just a few dollars a month and you're in.
Small, predictable payments that fit any budget. Every on-time payment builds your credit history with real tradeline data.
We report to Equifax, Experian, and TransUnion every month. Track your progress with your housing readiness score.
We don't just build your credit score. We build your housing readiness. Every feature is designed to get you closer to the lease or mortgage you deserve.
Equifax. Experian. TransUnion. Every payment, every month. No gaps in your credit profile that landlords can question.
You already pay rent on time. CredLift makes sure that payment history shows up where it matters: on your credit report.
We come from the property services world. We know what landlords look for, what mortgage lenders require, and what actually moves the needle.
Not all credit builders are the same. Here's what's actually different.
| Feature | CredLift | Kikoff | StellarFi |
|---|---|---|---|
| Reports rent payments | ✓ | ✗ | ✓ |
| Landlord-verified reporting | ✓ | ✗ | ✗ |
| Reports to all 3 bureaus | ✓ | ✗ | ✓ |
| No credit check to start | ✓ | ✗ | ✗ |
| Housing readiness score | ✓ | ✗ | ✗ |
| Starting price | $5/mo | $5/mo | $25/mo |
No credit check. No deposit. Cancel anytime.
See full plan details and FAQ on our Pricing page
Got questions? We've got answers. These are the things people ask most before starting.
Plans from $5/month. No credit check. No deposit. Results in 30–90 days — or your money back.