A revolving credit account reported to all three bureaus every month, and the lender intelligence most people never get their hands on. Nothing of yours gets locked in savings, and there is no interest, because we are not lending you cash.
No setup fee, no annual fee, no interest, no contract. The larger line exists because a bigger limit against the same small balance keeps your utilization lower.
$750 revolving line
$2,500 revolving line
This is not a loan and not a savings account. No money is lent to you, and nothing of yours is held. You get a revolving account with us, you use it to buy from us, and we report it.
No hard credit pull, because there is nothing to underwrite. You get a revolving line usable at Tenure.
Each month your membership is charged to the account. That becomes the balance, and it stays small against your limit on purpose.
From your debit card. No interest, no fees, nothing added on top of what you spent.
Every month we furnish the account to Experian, Equifax and TransUnion: your limit, your balance, and whether you paid on time.
Credit scores are built from a handful of weighted inputs. An open revolving account with a payment history touches four of them. It cannot touch the fifth, and we are not going to pretend otherwise.
Weightings shown are the standard FICO® category weights. They describe how scoring models are built, not a prediction about your file. Your result depends on the model used and on everything else already on your report.
Most credit builders sell you nothing but the tradeline. Yours comes with the lender intelligence people normally pay a consultant for.
Experian, Equifax and TransUnion, every month, not just whichever one is convenient.
Opening an account does not put an inquiry on your report.
No deposit, no CD, no savings requirement. Your money stays yours.
No contract and no cancellation fee. We stop reporting going forward.
We do not know, and we are not going to invent a number. We have no results to point to yet, and any company quoting you a specific increase is quoting an average that may have nothing to do with your file. What we can tell you is the mechanism: you get an open revolving account with a payment history, an age that grows every month, and a very low balance against your limit. Those are inputs scoring models weigh. What they do to your particular score depends on the model and on everything else on your report.
No hard pull. There is nothing to underwrite, because we are not lending you money. The line is spendable only on our own products, so our exposure is limited to the value of what you bought.
No, and that is deliberate. The account is usable only at Tenure. It is not a cash advance, not a card you can take elsewhere, and there is no way to withdraw from it. That structure is exactly why there is no hard pull and no interest.
Those are savings-secured loans. You pay monthly and your money sits locked in a bank account until the term ends, which is why both are built on banks. We do not lend cash and we do not hold deposits, so nothing of yours is tied up and there is no interest. You are buying the capital library, and the tradeline comes with it.
No. Credit repair means disputing items already on your report. We do the opposite: we add accurate new history and never touch your existing file.
The missed payments get reported, the same as the on-time ones, and that can lower your score. If you want out, cancel instead of going delinquent and we stop reporting going forward.
You must be at least 18, a US citizen or permanent resident, and have a valid Social Security number so the bureaus can match the account to you.
We report on a monthly cycle, so allow one full cycle after your first payment before you go looking for it. The bureaus also take time to post what they receive.
About two minutes. No hard credit pull, and nothing is charged until your account is open and your first purchase posts.
You must be 18 or older, a US citizen or permanent resident, with a valid SSN. We collect your date of birth and SSN when the account is opened, over a secure channel, never on this form.