Turn your rent & bills into credit.
We automatically identify and report your on-time rent and utility payments from your linked bank account.
Stay on top of your credit health
24/7 credit score monitoring, full credit report access, and instant alerts are free forever with Arcane Credit — so you always know where you stand.
Credit Monitoring
Real-time score tracking with trend charts and score history
Full Credit Report
24/7 access to review your accounts and tradelines
Credit Alerts
Instant notifications for new accounts, inquiries, and score changes
Accelerate with Credit History Boost
Back-report up to 24 months of your payment history to credit bureaus in one shot. Give bureaus a longer track record of on-time payments and accelerate your credit-building journey.
Up to 24 Months Back-Reported
Your existing payment history is submitted to bureaus retroactively
Jumpstart Your Credit Profile
Build a longer credit history faster instead of waiting month by month
Real People, Real Results
Join thousands who have transformed their credit scores with Arcane Credit.
“I went from no credit to a 720 score in just 8 months using all three products. The rent reporting alone added years of positive history!”
Sarah M.
First-time Credit Builder
“After bankruptcy, I thought I'd never have good credit again. Arcane helped me add 4 new positive tradelines and rebuild my score.”
Marcus J.
Credit Rebuilder
“The credit builder loan and card combo was perfect. I now have a diverse credit mix and my utilization is always under 10%.”
Emily R.
First-time Credit Builder
Ready to take control of your credit?
Credit monitoring, scores, alerts, and full credit report access are free forever. Build credit with the payments you're already making.
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