Your credit journey starts here.
Open a 12- or 24-month credit-builder account that adds a positive installment tradeline to your credit file — reported to Experian, Equifax & TransUnion every month. No hard pull, no minimum score.
What makes it different?
The BuildCredit Account is a credit-builder installment loan. Each small monthly payment is held in a secure deposit account while adding a positive tradeline to your credit report.
Zero hard inquiries
We never run a hard pull — opening your account won't ding your existing score.
Triple-bureau reporting
Payments are sent to Experian, Equifax, and TransUnion so every bureau sees your progress.
Funds returned to you
When your 12- or 24-month term wraps up, the money you've saved comes back to you (less any interest & fees).
Autopay on the 30th
Turn on autopay once and your payment fires on the 30th every month — zero effort, zero missed payments.
We cover 98% of your score
Your VantageScore has six components. The BuildCredit Account is engineered to move five of them in your favor — covering 98% of your score.
41%
Payment History
The single biggest factor in your VantageScore. Each on-time BuildCredit payment stacks another month of positive history on your report.
20%
Depth of Credit
Combines your account age and credit mix into one factor. A 12- or 24-month installment tradeline builds both — showing lenders you can manage diverse obligations over time.
20%
Credit Utilization
VantageScore tracks balances on installment loans too. As you pay down your BuildCredit Account, your utilization improves — signaling responsible borrowing.
11%
Recent Credit
A new tradeline appears on your report, showing lenders you're actively building credit. And since we never run a hard pull, your score won't take an inquiry hit.
6%
Balances
VantageScore looks at your total outstanding balances. As you make payments and your BuildCredit balance decreases, this factor steadily works in your favor.
Every bureau. Every month.
Arcane reports your BuildCredit payments to all three major bureaus each billing cycle — so your progress shows up everywhere lenders look.
Up and running in minutes
Grab the app
Download Arcane Credit from the App Store and set up your profile — it takes about two minutes.
Activate your BuildCredit Account
Pick a plan that fits your budget, flip on autopay for the 30th, and you're locked in — no hard pull needed.
Watch your credit grow
Every monthly payment lands on your credit report at all three bureaus. When your 12- or 24-month term ends, your saved balance is returned to you (minus interest & fees).
Your future credit score is waiting
Open the Arcane Credit app, activate your BuildCredit Account, and start adding positive tradelines to your credit file today — no hard inquiry required.
The BuildCredit Account is issued by Cross River Bank, Member FDIC.