Build Credit History for Your Customers
The modern platform for reporting payments to credit bureaus. Help your customers build credit while you grow your business. FCRA compliant, secure, and scalable.
Report to all major credit bureaus
Billions Are Locked Out of the Financial System
Without credit history, people can't get apartments, car loans, or even jobs. Traditional credit reporting serves only a fraction of the population. It's time to change that.
People outside the formal financial system with no credit history
Source: World Bank Global Findex 2025
Adults with no credit history who can't qualify for loans or credit cards
Source: Oliver Wyman Research 2024
Nearly 1 in 3 Americans have fair or poor credit scores
Source: Experian 2024
Americans rely heavily on credit for daily life
Source: Federal Reserve Q1 2024
Businesses currently reporting to credit bureaus monthly
Source: CFPB Report
Americans who became subprime borrowers in just one month
Source: VantageScore Feb 2024
Credit Affects Everything
Your credit score impacts housing, employment, loans, insurance rates, and more. Here's what's at stake for your customers.
Housing
90% of landlords check credit scores before approving rental applications
Auto Loans
Poor credit can mean $5,000+ more in interest over a car loan
Employment
47% of employers run credit checks on job candidates
Interest Rates
Good credit saves $100,000+ in mortgage interest over 30 years
Only ~10,000 Businesses Report Credit
Millions of businesses collect payments but never report them. Rent payments, subscription fees, tuition, memberships — all go unreported. You can change that and help your customers build credit.
Who Are You?
No matter your industry, Expert Credit Finance helps you offer credit-building benefits to your customers.
Startups
Launch your credit-building program from day one. Give your early adopters a reason to stay loyal while building a competitive moat in your market.
How It Works
From signup to submission in five simple steps. We handle the complexity so you can focus on your business.
Sign Up & Connect
Create your account in minutes. We'll guide you through bureau registration and compliance setup.
Upload Customer Data
Import via CSV, Excel, or integrate our API directly into your system. We validate everything automatically.
We Validate & Transform
Our system validates all data, converts to Metro 2 format, and flags any issues before submission.
Submit to Bureaus
Data is securely transmitted to Experian, TransUnion, and Equifax via encrypted channels.
Track & Monitor
Real-time dashboard shows submission status, bureau responses, and any corrections needed.
Credit Reporting for Every Industry
From bootcamps to gyms, co-working spaces to freelance platforms - if your customers make payments, we can help them build credit.
Select Industry
All Industries
All industries can benefit from credit reporting
Online Bootcamps
Tuition Loan / Installment
Students finance course fees over 3-12 months; payments reported as positive credit activity.
Webinars / Paid Workshops
Participation Financing
Attendees pay in installments for multi-session workshops; timely payments build credit.
Private Schools / Academies
Tuition Financing
Families paying tuition in monthly installments are reported to bureaus.
Art / Music Schools
Lesson Financing
Students paying for term-based programs via monthly payments are credited.
Fitness Programs / Gyms
Membership Loan
Yearly memberships financed over time; payment history is reported.
Mentorship / Coaching Programs
Program Financing
Clients paying for multi-session coaching programs in installments get credit reporting.
Micro-Lending Platforms
Small Business / Personal Loans
Report repayments of small loans for entrepreneurs or freelancers.
Co-working Spaces
Office Lease Financing
Businesses paying monthly or quarterly rent installments are reported.
Subscription-Based Learning
Installment Subscription
Learners paying subscription over time; each payment reported as positive credit.
Creative Freelance Platforms
Project Financing
Freelancers take small advances; repayment or revenue share reported as credit.
Culinary / Skill Schools
Course Fee Financing
Students finance term-based culinary programs; report installment payments.
Language Learning / Masterclasses
Tuition Payment Loan
Students paying monthly for year-long language programs reported as credit activity.
Professional Certification Courses
Fee Financing
Pay certification fees in installments; on-time payments reported.
Startup Incubators / Accelerators
Program Fee Financing
Startups pay incubator fees over time; reporting creates early credit history.
Art Exhibitions / Galleries
Booth Fee Financing
Artists finance exhibition fees; installment payments reported.
Event Ticketing / VIP Programs
Ticket Financing
Customers paying premium ticket fees over installments are reported.
Online Communities / Membership Programs
Membership Financing
Membership fees paid in installments create reportable credit history.
Equipment Rental / Maker Spaces
Rental Loan
Small equipment or space rentals financed; payment history reported.
Music / Film Production Courses
Project Financing
Students finance production costs; repayments build credit.
SaaS for Entrepreneurs
Service Financing
Software or platform subscriptions financed over time; payment history reported.
Enterprise Features, Startup Friendly
Everything you need to furnish credit data securely, compliantly, and at scale.
FCRA Compliant
Built-in compliance with Fair Credit Reporting Act requirements. Automated consent tracking, dispute handling, and audit trails.
Bank-Grade Security
AES-256 encryption at rest, TLS 1.3 in transit. SOC 2 Type II certified infrastructure with continuous monitoring.
Real-Time Validation
Instant data validation catches errors before submission. SSN verification, address standardization, and duplicate detection.
API-First Design
RESTful API with comprehensive documentation. Webhooks for real-time updates. SDKs for major programming languages.
Batch Processing
Upload thousands of records via CSV or Excel. Automatic parsing, validation, and transformation to Metro 2 format.
Multi-Bureau Support
Single submission to Experian, TransUnion, and Equifax. Track status across all bureaus from one dashboard.
Complete Audit Trail
Every action logged for regulatory compliance. 7-year retention for FCRA requirements. Export-ready reports.
Smart Notifications
Real-time alerts for submission status, errors, and bureau responses. Email, SMS, and webhook notifications.
Choose the Plan That Fits Your Business
Start free and scale as you grow. All plans include full regulatory compliance, secure data handling, and access to major credit bureaus.
Forever free
Financing Limit
$10,000
End Users
10
Submissions
50/month
Bureaus
1 Bureau
- Full FCRA Compliance
- Metro 2 Format Reporting
- Basic Data Validation
- Data Download & Export
- Email Support
- Monthly Submission Reports
- Audit Trail Access (90 days)
- Single Bureau Reporting
per month
Financing Limit
$100,000
End Users
100
Submissions
500/month
Bureaus
2 Bureaus
- Full FCRA Compliance
- Metro 2 Format Reporting
- Advanced Data Validation
- Data Download & Export
- Priority Email Support
- Weekly Submission Reports
- Audit Trail Access (1 year)
- Dual Bureau Reporting
per month
Financing Limit
$500,000
End Users
500
Submissions
2,500/month
Bureaus
All 3 Bureaus
- Full FCRA Compliance
- Metro 2 Format Reporting
- Advanced Data Validation + Auto-Correction
- Data Download & Export
- Priority Phone & Email Support
- Real-Time Submission Dashboard
- Audit Trail Access (3 years)
- All 3 Major Bureaus
per month
Financing Limit
$2,000,000
End Users
2,500
Submissions
10,000/month
Bureaus
All 3 Bureaus
- Full FCRA Compliance
- Metro 2 Format Reporting
- AI-Powered Validation + Auto-Correction
- Data Download & Export
- 24/7 Priority Support
- Advanced Analytics Dashboard
- Audit Trail Access (7 years)
- All 3 Major Bureaus + Specialty
tailored to your needs
Financing Limit
Unlimited
End Users
Unlimited
Submissions
Unlimited
Bureaus
All Bureaus + International
- Full FCRA Compliance
- Metro 2 Format Reporting
- Custom Validation Rules
- Unlimited Data Download & Export
- Dedicated Support Team
- Custom Analytics & BI
- Unlimited Audit Trail Retention
- Global Bureau Network
Built for Compliance. Designed for Trust.
Every plan includes full regulatory compliance. We handle the complex legal requirements so you can focus on growing your business.
Questions about compliance or need a custom solution?
Schedule a Compliance ConsultationHave questions? Check out our FAQ or join the beta to talk with our team.
All plans include a 30-day money-back guarantee. No long-term contracts required.
Ready to Help Your Customers Build Credit?
Join 500+ businesses already using Expert Credit Finance. Sign up for the beta today and get 50% off for life.