Starter
$7.99/mo
- Reports to
- Equifax
- Account line
- $960
From your country
Build U.S. credit before you arrive.
Sign up with your passport or national ID and start a U.S. credit history from where you are. By the time you arrive, you will already have months of reports.
From $3.99 a month depending on your country. Cancel anytime.
- $3.99
- from, per month, by country
- 1
- document: passport or national ID
- 60–90
- days to appear on your report
How to start from your country
- 1
Download Fynory
Pick your country and see your plan price.
- 2
Sign up with your passport or ID
No SSN, no ITIN and no credit check.
- 3
Pay on time, every month
We report your payments to the U.S. bureaus.
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.
Plans inside the U.S.
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.