Start with Atlas
Sign up and link your bank
Pay the $8.99 membership fee (every 28 days)
We report your payments to all 3 major bureaus
No credit check needed — great for beginners!
➡ For tips, visit Atlas Academy in the app.
Other ways to build credit
Get a credit card or loan
Use it responsibly and pay on time
Make sure it reports to a credit bureau
Why your credit score matters:
A good score (700 or higher) can unlock better loan terms and lower interest rates
Check your Experian Vantage 3.0 score anytime in the Credit tab of the app.
FAQs
Q: What’s the easiest way to build credit?
A: Start with Atlas—we report your payments monthly.
Q: When will I see changes?
A: Most users see updates within 30–45 days.
Q: Do I need credit history to join?
A: Not at all. Atlas is made for beginners.