Interactive score tracking
Follow your credit profile over time, with a plain-language explainer behind every change.
Build credit. Stack your future.
Stackr turns the payments you already make — rent, utilities, and a 0% builder line — into credit history reported to the major bureaus. No security deposit. No hard credit check to start.
Reports to all 3 bureaus
No hard credit check
No security deposit
2 minto open an account — no hard credit check
$0security deposit to open an account
3 bureauswe report your on-time history to
How it works
Three steps. Then your everyday payments start counting.
Most people pay rent and bills on time every month and get no credit for it. Stackr changes that — quietly, in the background.
01
Open your account
Sign up in about two minutes. There's no hard credit check and no security deposit to get started.
02
Pay like you already do
Link your rent and utilities and use your 0% Builder Line. Every on-time payment becomes reportable history.
03
Watch your profile grow
We report to the major bureaus and show every move on your dashboard — with a plain-language reason behind each one.
What's inside
Everything you need to build, in one place.
Reporting, tracking, and education that work together — not five disconnected apps.
0% Builder Line
A closed-loop line you repay on a schedule you choose — building on-time history at 0% interest.
Rent reporting
Turn the rent you already pay into reported, on-time credit history.
Utility & bill reporting
Add phone, internet, and utility payments to the record working in your favor.
Identity protection
Continuous monitoring with real-time alerts the moment your info shows up where it shouldn't.
On-time payment history, organized
Every reported payment in one verifiable timeline — so the work you're already doing is visible.
Rent · AprilReported on time
Builder Line · AprilPaid in full
Internet · AprilReported on time
Bite-size lessons
Plain-language credit lessons — utilization, mix, and history — built with certified educators.
The engine
The 0% Stackr Builder Line.
The Builder Line is a small, 0% interest, closed-loop line you draw and repay on a schedule you choose. Each on-time payment is reported as positive history — so you're actively building, not just waiting.
- 0% interest — no surprise fees or compounding.
- Reported to the major bureaus every cycle.
- Predictable amounts, with a reminder before each one.
The Stackr Builder Line is a closed-loop store credit account redeemable only for Stackr products and services. It is not a cash loan, not a general-purpose card, and not a credit-repair product. Availability is subject to eligibility and applicable law.
Pricing
Pick the plan that fits. Upgrade anytime.
Every plan reports your on-time payments. Higher tiers add faster tracking, more reporting, and protection.
Starter plan
Starter
$4 / mo
Everything you need to start building today.
- $250 0% Builder Line
- Monthly score refresh
- Two credit lessons
Most popular
Builder
$12 / mo
For members who want their whole life reported.
- Everything in Starter
- $1,000 0% Builder Line
- Rent & utility reporting
- Weekly score tracking
- Full lesson library
Most protection
Builder Pro
$25 / mo
Full reporting plus identity protection and coaching.
- Everything in Builder
- Identity theft protection
- 1:1 credit coaching check-ins
- $2,500 0% Builder Line
Questions
Common questions.
Does signing up hurt my credit?
No. Opening a Stackr account doesn't require a hard credit check, so there's no score impact to get started. We focus on adding positive, on-time history — not pulling your report.
Which credit bureaus do you report to?
Your on-time Builder Line, rent, and utility payments are reported to the major U.S. bureaus through our regulated reporting partner. Reporting cadence depends on your plan.
Is the Builder Line a loan?
No. The Stackr Builder Line is a 0% interest, closed-loop store credit account used only for Stackr products and services. It's not a cash loan, not a general-purpose card, and can't be redeemed for cash.
Will Stackr guarantee a higher score?
No one honestly can. Stackr is not a credit-repair service and makes no score guarantees. What we do is report the on-time payments you make and teach you the habits that tend to help — the rest is your track record.
Onboarding in regional waves
Start stacking your credit today.
It takes about two minutes and there's no hard credit check to begin. Reserve your spot in the next batch.
Start building