Push Your
Credit Forward.
No credit check. No hidden fees. No interest charges. Plans from $5/month — reporting to Equifax, Experian, and TransUnion every single month.
Free to check — takes 3 minutes, no impact on your credit score.
Start Building Credit
in Minutes.
Three steps. No complicated paperwork. No hard credit check.
Answer a Few Questions
Quick identity verification takes under 3 minutes. We never run a hard credit check, so signing up has zero impact on your current score.
Activate Your Credit Account
Choose the plan that fits your budget. You'll get a revolving credit line — up to $3,500 — that starts reporting to all three bureaus the very first month.
Build Credit With On-Time Payments
Set up autopay and your payment history starts working for you. We report every on-time payment to Equifax, Experian, and TransUnion monthly.
Designed for People
Building or Rebuilding.
Whether you're starting from scratch or recovering from a setback, CredPush gives you the tools lenders want to see.
Qualify for apartments faster
Landlords check credit before handing over keys. A stronger score means more options, lower deposits, and better lease terms.
Get approved for auto loans
Even a 40-point improvement can save you thousands in interest over the life of a car loan. Start building before you apply.
Unlock better credit cards
Move past secured cards and high-APR offers. A higher score qualifies you for rewards cards with real cashback and lower rates.
Low utilization by design
A $5 balance on a $750 credit line is 0.67% utilization. Lenders see that as excellent. Our structure keeps your ratio low automatically.
No debt, no risk
CredPush is not a loan. There is no interest and no debt to manage. Your small monthly subscription simply builds real payment history on your credit report.
AI-powered credit coaching
Get personalized tips based on your credit profile, dispute recommendations when errors appear, and milestone tracking to see exactly how far you've come.
See Your Score's
Potential.
Drag the slider to your current score and see where CredPush can take you in 6, 12, and 24 months — based on real member data.
Today
6 Months
+26 pts
12 Months ⭐
+58 pts
24 Months
+90 pts
Starting at 560 (Poor), members with your profile average a +58 point improvement in 12 months with consistent on-time payments. Projections are based on CredPush member averages and are not guarantees of individual results.
Free to check · No credit impact · Takes 3 minutes
Turn Credit Building
Into a Daily Win.
Earn XP, maintain streaks, unlock badges, and share your progress. CredPush makes improving your credit feel like leveling up — not a chore.
Daily Streaks
Open the app every day to build your streak and earn bonus XP rewards. Miss a day? Use a streak shield to protect your progress.
Badges & Levels
Earn badges for real milestones — your first on-time payment, hitting 700, a perfect payment year. Level up from Credit Starter to Credit Legend.
Credit Power Score
Your FICO updates monthly. Your Credit Power Score updates every time you learn, complete a quiz, or check in. Watch it climb daily.
Share Your Wins
Download branded milestone cards and post your credit journey on TikTok, Instagram, or Twitter. Show the world your progress.
The Infrastructure
Agencies Have Been Waiting For.
Kikoff and Self are D2C only. CredPush is built for agencies first — with white-label co-branding, bulk client tools, and a revenue share model that turns your client base into recurring income.
How We Stack Up
CredPush is the only credit builder built for both consumers and agencies, with AI coaching and gamification baked in.
| Feature | Best Value CredPush | Kikoff | Self | Secured Cards |
|---|---|---|---|---|
| Starting price | $5/mo | $5/mo | $25/mo | $0–$49/yr |
| Reports to all 3 bureaus | ||||
| No credit check to sign up | ||||
| No interest charges | ||||
| B2B agency channel | ||||
| AI credit coaching | ||||
| Gamification & XP rewards | ||||
| Dispute letter automation | ||||
| Rent reporting | ||||
| 45-day money-back guarantee |
Competitor information based on publicly available pricing and features as of 2026. Subject to change.
Simple, Transparent Pricing
No hidden fees. No interest charges. Cancel anytime. Every plan reports to all three credit bureaus.
Starter
The essentials to start building.
- Monthly reporting to Equifax, Experian & TransUnion
- Autopay with payment reminders
- Basic credit education library
- Daily credit quiz and XP rewards
- Streak tracking and badges
- No credit check to sign up
Growth
Our most popular plan. Accelerate your progress.
- Everything in Starter, plus:
- Rent reporting to credit bureaus
- Real-time credit monitoring and alerts
- Utilization tracking dashboard
- Weekly challenges with bonus XP
- Priority email support
Elite
The full toolkit for serious credit building.
- Everything in Growth, plus:
- AI-powered credit coach with personalized action plans
- Dispute letter automation
- ID theft protection
- Dark web monitoring for your SSN
- Exclusive education content and coaching tips
All plans include: No credit check to sign up · Reports to 3 bureaus · Cancel anytime · 45-day money-back guarantee
Compare all plan features →Real People, Real Results
Average score improvements by starting FICO band, based on users with 12 months of on-time payments.
What Our Members Say
"I set up autopay on the Starter plan and honestly forgot about it. Then I got a notification that my score jumped. CredPush did the heavy lifting."
"I got denied for three apartments in a row because of my score. Six months after signing up for CredPush, I applied again and got approved with no issues. Life-changing."
"I run a credit repair agency and I recommend CredPush to every single client. The partner dashboard saves me hours, my clients see real results, and the recurring revenue is a nice bonus."
"I set up autopay on the Starter plan and honestly forgot about it. Then I got a notification that my score jumped. CredPush did the heavy lifting."
Individual results vary. Testimonials represent individual experiences and are not guarantees of specific outcomes.
Common Questions
Everything you need to know about CredPush.
No. CredPush is not a loan. You pay a small monthly subscription fee ($5–$35/month), and we report that payment history to all three credit bureaus. There is no interest, no debt, and no money owed beyond your subscription.
Ready to Start Building Credit?
Join thousands of people taking control of their financial future. Checking your eligibility is free and takes 3 minutes.