Pick a credit line from $300 to $99,000. Every payment reports to Equifax as a tradeline. No credit check. $39 down.
Every on-time payment is reported to Equifax as an Installment Sales Contract tradeline.
How It Works
Every on-time payment reports to Equifax. Here's how it works.
Choose a credit line from $300 to $99,000. No credit check. A $39 down payment activates your plan and starts the reporting.
Low monthly payments. Separate from your subscription. Powered by Denefits (15% platform fee, 0% interest to you).
Every on-time payment is reported to Equifax as an Installment Sales Contract on your credit report.
Payment history is 35% of your credit score. Consistent payments build it month over month.
Choose a credit line from $300 to $99,000. No credit check. A $39 down payment activates your plan and starts the reporting.
Low monthly payments. Separate from your subscription. Powered by Denefits (15% platform fee, 0% interest to you).
Every on-time payment is reported to Equifax as an Installment Sales Contract on your credit report.
Payment history is 35% of your credit score. Consistent payments build it month over month.
Credit Lines
Higher credit lines = better credit utilization ratio = higher scores. All credit builder plans report to Equifax.
Start building credit today
Build stronger credit history
Most popular — good credit utilization
Stronger tradeline, faster results
Maximum credit building power
* Monthly payment estimates based on 0% APR. Actual payments may vary based on approval.
Comparison
Credit lines up to 28x higher than most competitors.
| Feature | 28Solutio | Others |
|---|---|---|
| Maximum Credit Line | $99,000 | $750-$3,500 |
| Reports to Equifax | Yes | Varies |
| Credit Check Required | No | Soft pull |
| 0% Interest to Customer | Yes (Denefits) | Limited |
| AI Dispute Letters Included | Yes | Extra cost |
Benefits
Your credit line reports to Equifax as a tradeline. Every on-time payment builds your payment history — the #1 factor in your credit score.
Your credit line appears on your credit report as a tradeline. When you make payments:
We never hard pull your credit to apply. Your credit line is designed to help you build credit, not hurt it.
FAQ
Your tradeline typically appears on your Equifax report within 30-45 days. Results vary by person. Consistent on-time payments build your payment history, which is 35% of your score.
No. We do not perform a hard credit inquiry when you apply. Your credit score will not be affected by applying. We only report positive payment history to help build your credit.
We report your on-time payments to Equifax as an Installment Sales Contract tradeline. Consistent on-time payments build your payment history, which is 35% of your credit score.
Higher credit lines mean better credit utilization ratios, which is 30% of your credit score. While others cap at $3,500, we offer up to $99,000 so your utilization stays low.
We offer a grace period and will work with you to get back on track. We want you to succeed, so we provide reminders and flexible options to help you maintain your payment history.