Inspired by leaders in credit & fintech
Establish your credit score and build your credit history fast.
With payment amounts starting at just $20 per month, a Flex Credit Boost Account* can help you establish the credit history you need to qualify for other credit products, such as leasing an apartment, financing a cell phone, or getting a personal credit card, auto, or home loan or even 0% interest business funding.
Average Flex member improvement
Build Payment History
Establishing a strong track record is easier than ever. No credit check or cosigner required.
Boost Your Credit Fast.
On-time payments are reported to all three credit bureaus, helping you establish a credit score and build your credit history.**
Unlock More Financial Opportunities
Stronger credit can help you save thousands and qualify for what comes next—credit cards, auto loans, and more.
* $20 monthly payment option is available with a 12-month term. ** Failure to make your minimum payment by the due date each month may result in a delinquent payment being reported to the credit bureaus, which may negatively impact your credit score.
All approvals are subject to identity verification and require first and last name, email, residency address, mobile phone number, date of birth, and Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN). Flex Credit Boost Accounts are managed by FinFi Trust Co, LLC and originated by Pacific Place Financial, Inc. (Pacific Place Bank or other partners).
Real members. Real results.
See how Flex Credit Boost helped members build credit.
2,847
Active Members
105+
Avg Point Boost
3
Credit Bureaus
“I went from no credit history to a 712 score in 5 months. Flex made it automatic.”
“Finally got approved for my first apartment lease. The daily reporting made all the difference.”
“I tried two other credit builders. None reported to all 3 bureaus this fast.”
“Got approved for my first auto loan after 6 months. My dealer couldn't believe the turnaround.”
“After my divorce I had to rebuild everything. Flex gave me a fresh start without the stress.”
“I went from no credit history to a 712 score in 5 months. Flex made it automatic.”
“Finally got approved for my first apartment lease. The daily reporting made all the difference.”
“I tried two other credit builders. None reported to all 3 bureaus this fast.”
“Got approved for my first auto loan after 6 months. My dealer couldn't believe the turnaround.”
“After my divorce I had to rebuild everything. Flex gave me a fresh start without the stress.”
“I went from no credit history to a 712 score in 5 months. Flex made it automatic.”
“Finally got approved for my first apartment lease. The daily reporting made all the difference.”
“I tried two other credit builders. None reported to all 3 bureaus this fast.”
“Got approved for my first auto loan after 6 months. My dealer couldn't believe the turnaround.”
“After my divorce I had to rebuild everything. Flex gave me a fresh start without the stress.”
“I went from no credit history to a 712 score in 5 months. Flex made it automatic.”
“Finally got approved for my first apartment lease. The daily reporting made all the difference.”
“I tried two other credit builders. None reported to all 3 bureaus this fast.”
“Got approved for my first auto loan after 6 months. My dealer couldn't believe the turnaround.”
“After my divorce I had to rebuild everything. Flex gave me a fresh start without the stress.”
“Moved to the US with zero credit history. Four months later I qualified for a real credit card.”
“Finally graduated from my secured card. Got approved for a real rewards card with a $5K limit.”
“My score jumped enough to refinance my student loans. Saving $200/month on interest now.”
“Had a thin file for years. Now I have a mortgage pre-approval letter in hand.”
“Started college with literally no credit. Three months in and I already have a 660.”
“Moved to the US with zero credit history. Four months later I qualified for a real credit card.”
“Finally graduated from my secured card. Got approved for a real rewards card with a $5K limit.”
“My score jumped enough to refinance my student loans. Saving $200/month on interest now.”
“Had a thin file for years. Now I have a mortgage pre-approval letter in hand.”
“Started college with literally no credit. Three months in and I already have a 660.”
“Moved to the US with zero credit history. Four months later I qualified for a real credit card.”
“Finally graduated from my secured card. Got approved for a real rewards card with a $5K limit.”
“My score jumped enough to refinance my student loans. Saving $200/month on interest now.”
“Had a thin file for years. Now I have a mortgage pre-approval letter in hand.”
“Started college with literally no credit. Three months in and I already have a 660.”
“Moved to the US with zero credit history. Four months later I qualified for a real credit card.”
“Finally graduated from my secured card. Got approved for a real rewards card with a $5K limit.”
“My score jumped enough to refinance my student loans. Saving $200/month on interest now.”
“Had a thin file for years. Now I have a mortgage pre-approval letter in hand.”
“Started college with literally no credit. Three months in and I already have a 660.”
Your Trust is Our Priority
Cancel Anytime
No long-term contract. No penalties. Leave whenever you want.
No Credit Check
No hard inquiry ever. Zero risk to your current score.
Reported to All 3 Bureaus
Experian, TransUnion, and Equifax. Full coverage from day one.
“Set up in under 5 minutes. Start building credit with zero risk.”
How it works
Start improving your credit history in just 7 days
Create your profile & link bank accounts
Where you deposit paychecks and pay bills.
Make monthly payments
Flex reports every on-time payment to all three bureaus.
Watch your credit soar
Positive payment history builds fast. Enhance even more with Backdate History.
FAQs
Have a question? We're here to help.
Maria S. just enrolled
Miami, FL · 3 minutes ago