Proudly built in Las Vegas. For everyone.
Arcane Credit was founded on a simple idea: the millions of people who pay rent and bills on time every month deserve credit for it. Literally.
400 S. 4th Street, 3rd Floor · Las Vegas, NV 89101Our Mission
Traditional credit scoring rewards people who already have credit cards, mortgages, and loans — leaving renters and underbanked Americans behind.
We're rewriting that playbook by turning everyday payments — rent, electric, gas, water, and cell phone — into building blocks for a stronger credit profile.
5
Bill types eligible for reporting
24 mo
Of past payments eligible for back reporting
98%
Of your VantageScore 4.0 covered by what we report
What we stand for
Every product we build and every decision we make traces back to these principles.
People First
Credit shouldn't be a privilege reserved for those who already have it. We exist to help everyday renters and bill-payers get the credit they deserve.
Transparency
No hidden fees, no fine print games, no fake promises. We tell you exactly how our products work, what they cost, and what to expect.
Simplicity
Building credit doesn't have to be complicated. We turn the bills you're already paying into a path forward — automatically.
Real Impact
We focus on what actually moves the needle: payment history, account age, and credit mix — the factors that make up the majority of your score.
Ready to build your credit?
Join thousands using their everyday bills to grow a stronger credit profile.
Get Started