Starter
$7.99/mo
- Reports to
- Equifax
- Account line
- $960
New to the U.S.?
Your credit history starts today.
Do not wait for an SSN or ITIN. We report your on-time payments to the U.S. credit bureaus from month one, and your account appears as FYNORY in 60 to 90 days.
From $7.99 a month. Cancel anytime.
- 3
- bureaus: Equifax, TransUnion and Experian, by plan
- 0
- credit checks to join
- 60–90
- days to appear on your report
Start in 5 minutes
- 1
Download Fynory
On the App Store and Google Play, in English and Spanish.
- 2
Pick your plan
Starter, Plus or Premium, depending on how many bureaus you want covered.
- 3
Pay on time, every month
We report. Your history grows with every on-time payment.
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.
A plan for every goal
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.
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.