Build real credit. Not fake credit lines.
Turn your everyday utility and phone bill payments into opportunities to build credit. No artificial credit lines. No unnecessary debt.
Bills we report to your credit file
- Rent
- Electricity
- Water
- Gas
- Mobile phone
- Internet
Payment history leads.Rent rarely counts.
The biggest part of a credit score is paying on time. Rent is usually left out of it.
of a common credit score is payment history
have no credit record at all
accounts you can report: rent, utilities, phone
from sign-up to choosing what to report
Sources: FICO, “What’s in my FICO Scores”; CFPB, “Data Point: Credit Invisibles” (2015).
Rent that finally counts.Matched to your lease.
We read your lease, find each payment in your bank, and check every month adds up.
Start for $9.99/moEvery bill you pay.Working for your credit.
We find recurring bills in your bank. You choose which ones count.
Start for $9.99/moYour credit, at a glance.Updated every month.
Your score, your full report, and the factors that move it, in one place.
Start for $9.99/mo12 months on time, including rent.
Under 30% of your limits. Good.
Ask before you spend.Answers from your own bank.
NOVA knows your bills and your payday, so it can tell you what’s safe.
Start for $9.99/moSet up in ten minutes.Three steps, in order.
Nothing is reported until each payment is checked.
Start for $9.99/moPick what you pay.We’ll match the plan.
Plans differ only by how many bills they report. No interest, ever.
Questions.Answered plainly.
Will this hurt my credit score?
No. Signing up doesn't affect your credit at all. We never do a credit check. We only report positive payment history to help your score grow.
How long until I see results?
Most people see their payment history appear on their credit report within 1-2 months. Score improvements depend on your overall credit profile.
What is NOVA?
NOVA is the AI assistant built into CreditLink. Using your connected accounts, it shows what's safe to spend until payday, which bills are coming up and where your spending changed, plus personal tips for building credit. Its numbers are estimates, and it never promises a score change.
Is my bank information safe?
Yes. We use the same security as major banks. We can only view your transactions - we can never move money or access your login.
What if I cancel?
Cancel anytime with no fees. Your reported payment history stays on your credit report even after you cancel.
Do I need good credit to start?
No. CreditLink is designed for everyone - whether you have no credit, low credit, or just want to build more positive history.
Is this a loan or credit card?
No. We don't lend money or give credit. We simply report the rent and bill payments you already make to help build your credit history.