Starter
$7.99/mo
- Reports to
- Equifax
- Account line
- $960
Pricing
Simple monthly plans. No SSN, no ITIN, no surprises.
Pick how many bureaus you want on your side. You can change or cancel your plan from the app at any time.
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.
Compare plans
| Compare plans | Starter | Plus | Premium |
|---|---|---|---|
| Monthly price | $7.99/mo | $12.99/mo | $19.99/mo |
| Account line reported | $960 | $1,560 | $2,400 |
| Equifax | |||
| TransUnion | |||
| Experian | |||
| SSN or ITIN required | No | No | No |
| Credit check to join | No | No | No |
| First report appears | 60–90 days | 60–90 days | 60–90 days |
| Shows on your report as | FYNORY | FYNORY | FYNORY |
Billing, plainly
When am I charged?
On the day you join and then every month on that date. Your payment history is what gets reported, so paying on time matters.
What if a payment fails?
We retry and notify you. Update your card in the app before your next reporting date so the month counts as on time.
Can I switch plans?
Yes. Upgrades and downgrades take effect from the app. Bureau coverage follows your active plan.
How do I cancel?
From the app, in a few taps. No calls, no forms.
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.