What is Credit Builder?
Credit Builder is a Flex product designed to help you build your credit score by reporting your on-time rent payments to TransUnion. Instead of paying rent directly to your property, you pay through a line of credit that Flex provides.
How does it work?
- Pay Rent to Flex – Instead of paying your landlord directly, you make your rent payment to Flex.
- Flex Pays Your Rent – Flex uses a line of credit to pay your landlord on your behalf.
- Payment Reported – Once your rent payment to Flex is complete, we report your payment history to TransUnion, helping you build credit over time.
How do I sign up for a Credit Builder account?
New sign-ups and reapplications are temporarily paused while we work on product improvements. If you'd like to be notified when sign-ups resume, you can join the waitlist by filling out this form.
Who can apply for Credit Builder?
Once sign-ups reopen, Credit Builder will be available to renters who:
✔ Pay rent online
✔ Make on-time rent payments
✔ Want to build their credit score
What if I’m already using Flex to split my rent?
You can’t use Flex to split your rent and use Credit Builder at the same time. However, if you’re currently using Flex to split rent, you can still report your rent payments to TransUnion using the optional Rent Reporting feature in the Flex app.