Starter
$7.99/mo
- Reports to
- Equifax
- Account line
- $960
No SSN · No ITIN · No credit check
Build U.S. credit. No SSN. No ITIN.
We report your on-time payments to the U.S. credit bureaus. Your account shows up as FYNORY in 60–90 days.
From $7.99/month. Cancel anytime.
- 60–90
- days until FYNORY shows up on your credit report
- No SSN. No ITIN.
- No credit check either.
- 3 bureaus
- Equifax, TransUnion and Experian, by plan
- $7.99/month
- Plans from
See what building credit looks like
The real app, screen by screen: your history, your plan, your lessons, your answers.
Your history, growing
Every on-time payment is reported to the bureaus in your plan.
Invest in your future
One bureau or all three. Cancel anytime.
Learn the habits
Short lessons on payment history, utilization and more.
Ask anything
Our AI Concierge answers about your plan, charges and report.
Every month on record
Download a PDF invoice for each payment.
What happens, and when
We tell you the timeline before you pay, and then we keep to it.
- Day 0
You join
Name, date of birth, U.S. address and a card. No SSN, no ITIN, no credit check.
- Day 1–30
First payment
Your first monthly payment is recorded. On time is the only thing that matters here.
- Monthly
We report
We send your account and payment to the bureaus in your plan every month.
- Day 60–90
FYNORY appears
Your account shows up on your credit report. From then on it updates monthly.
Why 60–90 days, and not 30?
With an SSN, a bureau finds your file instantly. Without one, it has to match you by your legal name, date of birth and address. That match takes an extra reporting cycle.
Other companies hide that delay or require an ITIN to avoid it. We don’t ask for either, so we tell you the honest number up front: 60 to 90 days to see your first report.
Made for people the system skipped
- New to the U.S.
- Start a U.S. credit history in your first months here, before you have an SSN.
- Working without an SSN
- Pay rent, bills and a membership on time, and have that consistency count.
- Waiting on an ITIN
- You don’t need to wait months for paperwork to start your credit clock.
- Thin or no file
- If lenders say “no history,” this is history, reported every month.
Three plans. Same promise.
Every plan starts reporting the same way. Higher plans report to more bureaus and carry a larger account line.
Plus
$12.99/mo
- Reports to
- Equifax · TransUnion
- Account line
- $1,560
Premium
Most chosen$19.99/mo
- Reports to
- Equifax · TransUnion · Experian
- Account line
- $2,400
- No SSN or ITIN
- No credit check
- Listed as FYNORY
- First report in 60–90 days
- Cancel anytime
The account line is a reporting line, not cash you can spend.
Questions people ask before joining
Can I really build credit without an SSN or ITIN?
Yes. U.S. credit bureaus can create and match a file using your legal name, date of birth and address. Fynory reports your account and monthly payments with those details, so you don’t need an SSN or ITIN to start.
When will I see Fynory on my credit report?
Within 60–90 days of your first payment. Matching a file without an SSN or ITIN takes an extra cycle, which is why we don’t promise 30 days. After the first appearance, FYNORY updates every month.
What name will appear on my credit report?
The account appears under the creditor name FYNORY.
Is there a credit check?
No. Joining Fynory does not involve a hard inquiry and does not affect your score.
Which bureaus do you report to?
It depends on your plan. Starter reports to Equifax. Plus reports to Equifax and TransUnion. Premium reports to Equifax, TransUnion and Experian.
Is the account line money I can use?
No. The account line is a reporting line attached to your membership. It is not cash, a loan or a card you can spend with.
Your credit clock starts the day you join.
Every month you wait is a month of history you don’t have. Join in about five minutes.