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Rebuild Detroit

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Credit builder, at no cost

A step by step plan to build your credit, at no cost

Credit that needs work should not keep you out. Tell us where yours is today, and we coach you through a plan, step by step, and track it with you every month. Rebuild Detroit does not charge for credit building and does not promise any change to your credit score.

Start with no cost How funding works

Where is your credit today?

740 and up
680 to 739
620 to 679
Under 620
Not sure

You pick your band yourself. Signing up never checks your credit. For funding, our licensed mortgage partner runs a soft credit check, which does not affect your score.

How the credit builder works

Rebuild Detroit does not charge for credit building and does not promise any change to your credit score. Signing up never checks your credit. For funding, our licensed mortgage partner runs a soft credit check, which does not affect your score.

  1. 1

    Tell us where your credit is today

    Pick your band from a short list. The credit builder never checks your credit.

  2. 2

    Get your plan, step by step

    A few things to do this month, in order, written for where you are. Neon, our assistant, can text it to you if you say yes to texts.

  3. 3

    Check in once a month

    Two minutes: tell us what you did and where your band is now. We coach you on the next steps.

  4. 4

    Apply when you are ready

    When you and your point person think the time is right, we match you with a lender for your project, subject to lender approval.

What a credit plan usually covers

The habits the Consumer Financial Protection Bureau describes, put in order for where you are. We coach you and track it with you.

  • Check your reports

    Get your reports from all three bureaus at AnnualCreditReport.com, the official site, and read every account.

  • Dispute what is wrong

    An account that is not yours or a late payment that was on time can be disputed with the bureau that shows it.

  • Pay on time, every time

    Payment history weighs heavily in most scores. Automatic minimum payments keep a busy month from becoming a late one.

  • Keep balances low

    Owing a small share of your card limits usually reads better than running them close to full.

  • Space out new applications

    Several new accounts in a short time can weigh on a score. Apply for what you need, when you need it.

Get your reports at AnnualCreditReport.com

Questions about the credit builder

Is the credit builder really at no cost?

Yes. Rebuild Detroit does not charge for credit building and does not promise any change to your credit score. It is part of every plan, Explorer included.

Will my score rise?

We cannot promise that, and no one honestly can. We give you a plan, coach you and track it with you; what your score does depends on your accounts and the bureaus.

Do you pull my credit?

Not for the credit builder: you tell us your band yourself. When you move to funding, our licensed mortgage partner runs a soft credit check, which does not affect your score.

Can I search for houses while I build my credit?

Yes. The credit builder, the search and funding all run at the same time. Many investors start with the search and the plan together.

Do you fix or repair credit for me?

No. We do not contact the bureaus or your creditors for you. We show you the steps, and you take them with us beside you.

Everything in Done For You Flips

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Keep reading BRRRR Rent it, refinance it and pull your cash back out

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