Credit building for every policyholder
Polycred turns your monthly insurance routine into a real credit-building opportunity — a transparent, opt-in account for just $4.99/month, reported to all three bureaus and offered right through your insurer.
Build credit with Polycred
Report this payment to all three bureaus
Secured by Polycred · cancel anytime
Credit building, built into the bills you already trust.
Most on-time payments never reach the bureaus — so they never help your score. Polycred fixes that. We open a real credit-builder account, collect a small $4.99 each month, and report every payment. No debt, no hype, no complexity.
Flat monthly price — no tiers, no surprises
Credit bureaus we report to every cycle
Loans, deposits, or hard credit pulls
We handle the credit side, so you don't have to.
From enrollment to bureau reporting, every step runs quietly in the background while your credit history grows.
Opt in through your insurer at quote, checkout, or renewal. Identity and consent in one short flow — no new app to download.
“I was already paying my premium every month. Polycred just turned that habit into a credit history — without a loan or a deposit.”
Dana Reyes
Policyholder, enrolled at sign-up
Real credit building, without the complexity.
Enroll & verify
Confirm your details and authorize reporting in a short, mobile-friendly flow offered by your insurer.
We collect & report
Polycred charges $4.99 around your premium due date and reports the on-time payment to all three bureaus.
Your history grows
A consistent, positive tradeline builds month over month. Track it anytime in your portal, and cancel whenever you like.
Not your typical credit builder.
Other credit builders
- Require a new loan or a locked security deposit
- Run a hard inquiry that can ding your score
- Bury you in tiers, add-ons, and confusing fees
- Live in a separate app you forget to open
With Polycred
- No loan, no deposit, no debt — ever
- No hard pull to enroll
- One flat $4.99/month, cancel anytime
- Built right into the insurance you already have
A small monthly habit, working quietly in your favor.
Say you add Polycred when you start or renew your policy. Within about a month your first on-time payment is reported. From there, each cycle adds another positive mark to your file across all three bureaus — the steady payment history that credit scores reward.
~0
Days to your first reported payment
0
Bureaus updated every single cycle
$0
Flat monthly cost, start to finish
Add credit building right inside your checkout.
Insurers and agencies embed the Polycred widget on their quote, checkout, or renewal page. Policyholders opt in without leaving your flow — identity, consent, and payment all happen in a secure, on-brand card you drop in with one snippet.
Embed in minutes
Drop in a single script tag, or install @polycred/widget for React. No backend work to ship it.
Matches your brand
Theme the colors, copy, and fonts so the offer card feels native to your checkout — not bolted on.
Secure hosted iframe
Payment and identity run inside a Polycred-hosted iframe. Sensitive data never touches your page.
Locked to your domains
A publishable key plus an allow-list of origins means only your own checkout can load the widget.
Build credit with Polycred
Report this payment to all three bureaus
Secured by Polycred · cancel anytime
Embedded checkout
Designed to be safe, simple, and yours.
Separate from your policy
Polycred is its own credit-builder account. Your insurance coverage and premium are never affected.
Metro 2® reporting
We furnish data using the same bank-grade standard the bureaus expect — accurate, consistent, and disputable.
Bank-level security
Your information is encrypted in transit and at rest, and payments run through Stripe's trusted infrastructure.
Cancel anytime
No lock-in and no penalties. Pause or close your account whenever you want, right from your portal.
Your questions, answered.
No. There's no loan, no line of credit, and no security deposit. You simply pay $4.99 a month for a credit-builder account, and we report that on-time payment to the bureaus.
Turn the bills you pay into the credit you deserve.
Are you an insurer or agency? Embed Polycred to give policyholders a reason to stay. Turn every on-time premium into credit history, and turn coverage into loyalty.