Credit rebuilding service

Build Your Credit. Track Your Progress. All in one solution.

AvenaCredit turns one simple monthly payment into a reported tradeline, a live credit dashboard, and personalized offers to help you boost your score even faster.

You pay your monthly membership. We report it to the credit bureau, show your progress in real time, and guide you with smart recommendations. Your only job is to make sure the payment goes through.

Start building my credit – 19,99$ / month See how AvenaCredit works

AvenaCredit dashboard

Overview of your credit journey

Live preview

692

Credit score example

+18 pts

last 6 months

Your dashboard will show your current score, your AvenaCredit payment history and your month-to-month progress.

Overview

What is AvenaCredit?

AvenaCredit is a credit-building membership that works for you in the background. You commit to a monthly payment of 19,99$, and we report it to the credit bureau as a positive payment history. Inside your secure dashboard, you can see your credit score, track changes over time, and get custom tips and offers to keep improving.

With AvenaCredit, there is no new loan and no extra card to manage. Just one predictable membership that helps you structure your credit rebuilding and gives you clear visibility over your progress.

How it works

How AvenaCredit works

Four simple steps from signup to ongoing credit progress.

Step 1

Join in a few minutes

Choose your monthly plan, create your AvenaCredit account, and get instant access to your credit dashboard. No complicated paperwork.

Step 2

Make your monthly payment

Your membership is billed once a month. As long as your payment goes through, we handle the rest. Your only responsibility is to keep funds available.

Step 3

We report and you see the results

We report your monthly payments to the credit bureau. In your dashboard, you can see your credit score, track your history, and watch your progress month after month.

Step 4

Get personalized offers to improve even faster

Based on your profile and habits, we suggest custom offers and strategies designed to help you strengthen your credit even more over time.

Real-time tracking

A clear dashboard for your credit journey

No more guessing what’s happening with your credit. Your AvenaCredit membership includes a clean, easy-to-understand dashboard where you can see everything in one place.

See your current score

Follow your credit score and how it evolves over time, presented in a simple, friendly layout.

Track your payment history

See each AvenaCredit payment we reported, so you always know what is being added to your file.

Monitor your overall health

Get an overview of your credit situation and key factors that influence your score.

Stay motivated

Progress charts and simple explanations help you stay focused on the long-term goal.

Support

Personalized offers to help you improve even more

AvenaCredit doesn’t stop at reporting your payments. Your dashboard also delivers custom recommendations and offers tailored to your situation.

Tips to improve your payment habits and stay consistent month after month.
Guidance on keeping your overall credit utilization healthy.
Special offers and tools designed to support your credit goals as you progress.

Why it works

Why AvenaCredit can help your credit score

Payment history is one of the most important parts of your credit score. By adding a consistent, on-time monthly payment to your file and giving you a clear view of your score, AvenaCredit helps you build a stronger profile.

Positive payment history

A regular, on-time payment can show that you are reliable and consistent over time.

Structured routine

One fixed membership each month helps you stay organized and focused on rebuilding.

More visibility

The dashboard keeps you informed and motivated instead of leaving you in the dark.

AvenaCredit cannot guarantee a specific score increase, but we can help you build better habits and a healthier credit profile over time.

Membership

Everything included in your membership

With one monthly payment of 19,99$, you get a complete credit-building system.

Reported monthly payment

We report your successful membership payment to the credit bureau.

Credit score dashboard

View your score, your history and your progress in a simple interface.

Progress tracking

Easy-to-read charts showing your credit journey month by month.

Personalized offers and tips

Custom recommendations based on your situation and profile.

Fully managed reporting

We take care of the technical side so you can focus on staying consistent.

Ready to get started? Your AvenaCredit membership is billed once a month at 19,99$. There are no hidden setup fees and no long-term contract.

Start my membership

Who it's for

Is AvenaCredit right for you?

AvenaCredit is designed for people who want a simple, structured way to build or rebuild their credit.

New to credit and looking to start building a positive history.
Coming back from past credit issues and needing a clear, guided system.
Planning a major purchase and wanting to maximise your score beforehand.
Whant to see what's happening with your score, not just guess.
Prefer one predictable payment instead of juggling multiple products.

Your role

Your only job: keep your membership active

We built AvenaCredit to be as easy as possible. After you sign up, everything runs in the background.

Your membership payment is charged automatically each month.
We report that payment to the credit bureau.
Your dashboard updates with the latest information.

Your role is simple: make sure your payment goes through every month. Keep that habit steady and you are giving your credit profile a real chance to improve.