Enrollment open
You already pay rent every month — but that payment never shows up in your credit history. Fía Crédito reports it to the credit bureaus, so the biggest payment you make starts working for you. Great if you have little or no credit.
Your payments are verified and recorded starting today. Reporting to the credit bureaus begins once our Experian certification clears.
Rent history
✓ Reported to the bureausWe report using your name and date of birth. If you provide an SSN, it's stored encrypted and used only for bureau reporting — we never sell it, and your landlord never sees it.
Nothing is reported without your express authorization. Cancel anytime and we stop reporting from the next cycle.
We report your full history to the bureaus, but a payment made within the month counts as on-time — a few days late won't hurt you; only a genuinely missed payment counts as negative. You choose to enroll and can cancel anytime.
Federal law (FCRA) gives you the right to dispute anything on your report and a free copy each year at annualcreditreport.com.
Fía is a product of Wellness Labs LLC — Spanish-first, because that's how our community speaks. We'll state the price clearly before charging anything.
Tell us where you rent and how much you pay. In Spanish or English, in minutes.
No switching banks, landlords, or payment methods.
Each month we verify your payment against your bank and record it. Reporting to the bureaus begins once our Experian certification clears — and you will already have history behind you.
Rent is usually your biggest payment — and the one that never counts. Here it does.
If you have little credit or are just starting out, every on-time payment adds to your history.
Reporting is your choice — enroll and cancel whenever you want. Your rent history, on-time and late, is reported only with your permission.
Designed in Spanish for Milwaukee's south side, with support that understands you.
Honest comparison
We don't compete with Boost — we cover what it leaves out. If you have an SSN, use it: it's free and it helps. But Boost can't see the biggest payment of your month.
Experian Boost
Fía Crédito
Experian Boost
Fía Crédito
Experian Boost
Fía Crédito
Experian Boost
Fía Crédito
Experian Boost
Fía Crédito
Experian Boost
Fía Crédito
Experian Boost
Fía Crédito
Boost adds your utilities at Experian and Fía Crédito adds your rent. They stack: more positive history, faster. That's why we wrote the free Boost guide even though we earn nothing from it.
See the free Boost guide →While you wait
Have an SSN? Raise your score for free today with Experian Boost — we show you how, step by step.
Enrolling today is free. We're still setting the price, and the earliest enrollments get the best launch price — we'll tell you before charging anything.
No. You keep paying exactly like today; we verify the payment and report it.
No — your date of birth is enough to report your rent history to your Experian credit report. If you have an SSN you can add it, but it's not required.
Only a missed payment can lower it, like any credit account. If you pay within the month it counts as on-time — being a few days late won't hurt you; we verify your payments through your bank. And reporting is optional — cancel anytime.
Enrolling is free and takes a few minutes. The sooner you start, the more history you build.
Your payments are verified and recorded starting today. Reporting to the credit bureaus begins once our Experian certification clears.