Build Credit on Autopilot
Watch your credit score grow while you go about your life.
Turn Your Rent & Bills Into Credit
We automatically identify and report your on-time rent and utility payments from your linked bank account. No paperwork, no lease or landlord verification needed.
Build credit while saving money
Open a BuildCredit Account and make small monthly payments that are reported to all three credit bureaus. At the end of your term, your saved funds are returned (minus interest and fees).
It works like a credit-builder loan — you build a positive payment history while you save. Diversify your credit mix and strengthen your profile.
Stay on top of your credit health
Every Arcane Credit membership includes 24/7 credit score monitoring, full credit report access, and instant alerts — so you always know where you stand.
Credit Monitoring
Real-time score tracking with trend charts and score history
Full Credit Report
24/7 access to review your accounts and tradelines
Credit Alerts
Instant notifications for new accounts, inquiries, and score changes
Accelerate with Score Boost
Back-report up to 24 months of your payment history to credit bureaus in one shot. Give bureaus a longer track record of on-time payments and accelerate your credit-building journey.
Up to 24 Months Back-Reported
Your existing payment history is submitted to bureaus retroactively
Jumpstart Your Credit Profile
Build a longer credit history faster instead of waiting month by month
Simple, transparent pricing
Everything included with every plan. No hidden fees.
Monthly
Cancel anytime. All features included.
Yearly
$47.99 billed annually
Best value. All features included.
All plans include:
Real People, Real Results
Join thousands who have transformed their credit scores with Arcane Credit.
“I went from no credit to a 720 score in just 8 months using all three products. The rent reporting alone added years of positive history!”
Sarah M.
First-time Credit Builder
“After bankruptcy, I thought I'd never have good credit again. Arcane helped me add 4 new positive tradelines and rebuild my score.”
Marcus J.
Credit Rebuilder
“The credit builder loan and card combo was perfect. I now have a diverse credit mix and my utilization is always under 10%.”
Emily R.
First-time Credit Builder
Ready to take control of your credit?
Start for as low as $3.99/month. Build credit with the payments you're already making.