Build credit with your rent. Verify with your landlord.
CredLift is a credit building platform for renters. We report monthly rent payments to Equifax, Experian, and TransUnion — turning an existing expense into real credit history. Unlike competitors that use fake store purchases (Kikoff) or generic bill-pay (StellarFi), CredLift uses landlord-verified rent payments as the foundation of credit building.
Launched May 2026. Based in Chicago, IL. Serving credit-invisible Americans — 45 million people with no credit score and no path to one.
No credit check. No deposit. No catch. Pick a plan and you're in.
Monthly rent reported to all three bureaus. Landlord-verified.
Track score growth. Watch your housing readiness climb.
Equifax, Experian, TransUnion — every payment, every month, no gaps.
Score metrics calibrated to what landlords and mortgage lenders actually look for.
Direct verification with property managers — not self-reported claims.
Clear progress timeline: first payment → first reported → score established.
Designed for credit-invisible users who can't qualify for traditional credit builders.
Partner portal for landlords and property managers to verify and track tenant payments.