Build credit by paying your bills.

Start Building Credit

No Credit Check or SSN Required.

"This is so useful for international students. I started building my credit in a week and when I started working, I was able to get a car loan."
"I could not put a deposit for a secured credit card. This option helped me build credit faster with multiple payments without getting into debt."

How it works

3 simple steps can help you build great credit
Sign Up
Create an account in 60 seconds with your basic information such as name, address, and phone number.
Add Billing Accounts
We only need your utility provider, account number, payment date, and bill amount. We will make payments to your accounts.
Start Building Credit
We will report this payment data to major credit bureaus and you will officially start building positive credit history.

How we do this?

We moved all the complexity behind the scenes
Add Billing Accounts
Sign up and add your utility or phone bills you want to pay.
Stilt Pays Bills
We will pay your bills for you and deduct funds from your checking account.
Reports to Credit Bureau
These will be reported as an on-time payments to the major credit bureaus every month.
Credit Score Increases
You will build credit history and see your credit score go up because of on-time payments.


Answers to common questions about loans with Stilt.

What is Stilt?

Stilt Inc. financial technology company located in San Francisco. We are revolutionizing the way individuals with build and access credit. We help people with limited or zero credit history in the U.S.

What is the eligibility criteria?

Any individual who is 18+ years old with a U.S. bank account in their name and a U.S. address is eligible to build credit. This includes U.S. citizens, international students, immigrants, and other visa holders.

How does Stilt make money?

When you pay your bill through Stilt, we make a small percetange (1%) through our bank. It doesn't cost you anything extra to make payments. You pay the exact same bill amount.

Do I need an SSN to use this?

No, SSN is not required to build credit. We report your data to credit bureaus with just your name, address, date of birth and some other details. We recommended that you provide an SSN if you have one. This makes sure that your credit is reported accurately.

Is my information safe?

Your information security and privacy is our top concern. We use 256 bit encrypted SSL connection, the same level of security as banks. We don't sell this information to third parties.

Can I use this if I already have a credit card?

Yes, you can. A credit card is designed to get you into debt and keep you there. With building credit by paying your bills, you don't get into debt and still get all the advantages of a good credit score.