Build credit history with every on-time payment
RYZN is a monthly membership. Each month you pay on time, we report it to the credit bureaus, and you get your FICO® Score and short lessons on credit and money in one app.
Coming soon to the App Store and Google Play. US only.
Who RYZN is for
New to credit
No credit history yet, or just getting started.
Rebuilding
Working on your credit after a hard stretch.
Thin file
Only a few accounts on your credit reports.
Learning the basics
Want to understand how credit and scores work.
How it works
Join and verify
Choose a plan and verify your identity in the app. You need to be 18 or older and live in the US.
Pay on time
Your membership is a monthly payment. When it goes through, RYZN reports it to the credit bureaus as an account on your credit file.
Learn and track
See your FICO® Score, follow your reporting month by month, and take short lessons on credit, budgeting and saving.
RYZN can’t promise a higher score. Scores depend on everything in your credit file, and on-time payment history is one part of it.
Plans
Two plans, billed monthly. Cancel anytime: your membership runs until the end of the period you’ve paid for.
Core
$19/month
- Reporting to Equifax and TransUnion
- FICO® Score, updated monthly
- Financial Foundations lessons
Premium
$25/month
- Reporting to all three bureaus
- FICO® Score, updated weekly
- Financial Foundations lessons
- Lessons on buying a home, business credit and investing basics
- A personalized credit roadmap
- Identity monitoring alerts
Questions
Is RYZN a loan or a credit card?
No. RYZN is a monthly membership. There’s no loan, no credit line and no interest.
What does RYZN do for my credit score?
RYZN reports your on-time membership payments to the credit bureaus, so they become part of the payment history on your credit file. How that affects your score depends on everything else in your credit file, so RYZN can’t promise a higher score.
Which credit bureaus does RYZN report to?
Core reports to Equifax and TransUnion. Premium reports to all three: Equifax, TransUnion and Experian.
Which score do I see?
A FICO® Score, updated monthly with Core and weekly with Premium. The app always shows which score it is and which bureau it comes from.
Can I cancel?
Yes, anytime in the app. Your membership continues until the end of the period you’ve paid for, and you can close your account whenever you like.
How is my information protected?
Your Social Security number and date of birth are encrypted, sign-in on a new phone needs a text code, and we never sell your personal information.
Are the lessons financial advice?
No. The lessons are educational and aren’t financial or legal advice.
Waitlist opening soon
Check back shortly to get on the list.