Build business credit history with the payment you already make. $99 per month.

Credit Builder turns your subscription itself into a reportable monthly trade obligation. Pay the $99 on time and we report an on-time payment record for your business. Pay late and the record says late, because honest reporting is the entire point.

How it works

You subscribe, we review and verify your first tradeline within 3 business days, then your account goes active and reporting begins.

1. Subscribe. Card on file through Stripe checkout, $99 per month, cancel at the end of any billing period.
2. We verify. A real person reviews your business details and the exact first tradeline before anything is reported. If we cannot verify your business, we cancel the subscription and refund every payment in full.
3. Reporting begins. Each month we report your subscription payment record to commercial credit bureaus, and you get a status email that says exactly what was reported and what is coming up.

What you get

• Monthly reporting of your subscription payment record to commercial credit bureaus.
• A state filing-deadline calendar for your business, built from verified state rules.
• A monthly status email: what was reported, upcoming deadlines, and items our team tracks for you.
• A 10 percent member discount on other Critical BS services while your account is active.

Boundaries, stated plainly: our calendar tracks common state filings and is a reminder service. It is not legal advice, it is not exhaustive, and we do not make filings for you. Items our team records by hand are always labeled with when and how they were last checked.

The fine print that matters

Credit Builder is a $99 per month subscription. Your subscription payment is itself the monthly trade obligation we report: pay on time and we report it on time, pay late and the record says late. We review and verify every new account before its first report; you subscribe first, we review within 3 business days, and if we cannot verify your business we cancel and refund every payment in full. Reporting starts only after that review. You can cancel at the end of any billing period from the billing portal. Withdrawing reporting consent closes the account: future reporting stops, and history already reported is not deleted because it was accurate when reported. Corrections for actual inaccuracies are always available.

Start your enrollment

Work email (required)

Your name

Phone

Legal business name (required)

Entity type (required) LLC Corporation Other

If other, describe your entity type

State of formation, 2 letter code (required)

Formation date (required)

Registration (required) Formed in that state (domestic) Registered from another state (foreign)

Business street address (required)

City (required)

State, 2 letter code (required)

ZIP (required)

Website

I authorize Critical BS to report this account’s monthly payment history to commercial credit bureaus while my subscription is active. I can withdraw this consent at any time by email, which closes the account; history already reported stays as reported because it was accurate at the time.

Email me practical updates about my Credit Builder account and related Critical BS services. Unsubscribe anytime. Billing and account status emails always send.

Subscribe for $99 per month

Common questions

Can I cancel? Yes, at the end of any billing period, from the billing portal linked in every email we send. No phone calls, no retention scripts.

What if I withdraw reporting consent? Withdrawal closes the account: future reporting stops and the subscription cancels. History already reported stays, because it was accurate when reported; corrections for actual inaccuracies are always available.

Where do you report? We report to commercial credit bureaus. Your monthly email states exactly what was reported and when it was accepted.

When does reporting start? After your first payment settles and our team verifies your business, within 3 business days. Nothing is reported before that review, and if we cannot verify you we refund every payment in full.