The patient stacker
705from 640
Adds positive accounts, holds steady for six months, lets time do the lifting.
Build a dam good credit score
People just like you are raising their scores. You're next.
A real coach, one simple move a month, and a guarantee in writing: +40 points in 6 months or every dollar back. $25/month, cancel anytime.
Under a dollar a day, with a written guarantee.
- No credit pull to join
- Cancel in one tap
- Guarantee in writing
- Pause anytime money's tight
How it works
Three steps, one climb
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1
Join in about 2 minutes. No credit pull.
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2
Your coach, a real human, gives you one simple move each month.
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3
Track your score weekly and watch it climb.
Example journeys
The kinds of climbs we coach
Illustrative member journeys, not customer reviews. Your climb depends on your history and habits.
The comeback
650from 502
Clears collections first, then stacks small on-time payments every month.
The first-timer
689from 601
Starts with a thin file and builds history from rent already being paid.
What's inside
Your toolkit
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Rent reporting
The rent you already pay, reported to all three bureaus.
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Credit-builder account
A small account that stacks positive payment history.
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Bank-level security
Your data stays encrypted and private, always.
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Autopay that fits
Payment dates that follow your paycheck, not the other way around.
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Smart reminders
A gentle nudge before anything is due, never after.
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Weekly score tracking
Watch the dam rise with a fresh score reading every week.
Frequently asked questions
How does CreditBeaver help my score?
We add positive history to your credit file two ways: by reporting the rent you already pay to all three bureaus, and through a small credit-builder account whose on-time payments stack up month after month.
Is CreditBeaver safe and secure?
Yes. Your data is encrypted in transit and at rest, we never sell it, and connecting your accounts uses read-only, bank-level connections.
How long until I see results?
Most builders see their first movement within two to three months, once new positive history starts reporting. Building a strong file is a season, not a weekend.
Which credit bureaus do you report to?
All three major bureaus: Equifax, Experian, and TransUnion.
Can I cancel anytime?
Yes, in one tap from settings. The positive history you built stays on your file.
What exactly does the +40 guarantee cover?
If your score has not risen at least 40 points after 6 full months of membership while following your one move a month, we refund every membership dollar you paid. It is a money-back guarantee on your fees, not a promise of a specific score outcome, which depends on your credit history and habits.
Your score story starts today
Join the members already watching their numbers climb. One coach, one move a month, one guarantee.
Start my comeback · $25/moUnder a dollar a day, with a written guarantee.
No credit pull to join · Cancel in one tap · Pause anytime money's tight