$5 /month
No sign-up fee
Reported credit line$750
- Reported to 3 bureaus
- Academy: Fundamentals
- Monthly score tracker
Credit for people who never had it
Build your financial future starting today.
A plan from $5 a month that reports your payments to Equifax, Experian and TransUnion and unlocks the Financial Gym. No credit check, no interest, no sign-up fee.
Start your financial life
No credit check·0% APR·Financial Gym included·Reported to all 3 bureaus·SSN or ITIN·
No credit check·0% APR·Financial Gym included·Reported to all 3 bureaus·SSN or ITIN·
Why are you here?
Most people come to us for one of these three reasons.
01
You just arrived
Your credit history back home doesn't transfer. Here you start from zero, and without a score every apartment, phone plan and car costs you more.
You can start with an SSN or an ITIN. Your U.S. file begins this month.
02
Nobody has lent to you
You've never missed a payment, and that's exactly why no one will lend to you. You get paid in cash, by the job or by the gig. You can pay, but you can't prove it.
Your payments with us are that proof. One every month.
03
Your credit took a hit
A job ended, an illness came, a business failed. You paid or settled, but the late payments are still on your report and every door stays closed.
Nobody here asks what happened. You start adding positive history today.
0
adults in the U.S. are credit invisible or unscorable
Source: CFPB, Data Point: Credit Invisibles (26M with no file + 19M unscorable)
Nobody is going to hand you a score
Years of paying rent, utilities and phone bills in cash don't show up anywhere. Lenders only see what's reported to the bureaus.
There's one way out, and it's the one that has always worked: build new history, one on-time payment at a time. That part is up to you.
How it works
Start today, in five steps
01
Sign up
From your phone, in minutes, with your SSN or ITIN. We only run a soft check; your score isn't touched.
02
Pick your plan
Credit lines from $750 to $5,000, depending on what you want to build.
03
Turn on autopay
No sign-up fee. You authorize the monthly payment from your bank account and can cancel anytime.
04
Get your access
Your username and password to start using every service in your plan.
05
We report you
Every 30 days, your on-time payment goes to Equifax, Experian and TransUnion.
Your credit line can only be used for Financial Gym content and is paid down by your monthly membership. No cash is issued. 0% APR. Late payments may be reported and could hurt your credit.
Financial Gym
Two platforms,
one membership
Your plan opens both doors: the academy where you learn how U.S. credit works, and the tools that help you track and protect your file.
48
Platform 1 · Academy
Enter the courses
3
Courses
Programs in English and Spanish, from your first credit card to buying a car or a home. With live workshops and a certificate at the end.
- 48 lessons
- 3 levels
- Live workshops
- Certificates
Platform 2 · Tools
See what each plan includes
Credit tools
Monthly score tracking, a guided review of your three credit reports, dispute letter templates and rent reporting on higher plans.
- Score tracker
- Report review
- Dispute templates
- Rent reporting
Inside the academy
Start here
Credit 101 in the U.S.
The three bureaus, how FICO® and VantageScore® work, and what lenders actually look at.
Start →Read your credit report
Get your free reports at AnnualCreditReport.com and learn to spot errors you can dispute.
Start →Budget on a paycheck
Biweekly pay, bills, money sent home and an emergency fund that actually grows.
Start →The plans
Pick your plan and start this month
$15 /month
No sign-up fee
Reported credit line$1,500
- Everything in Silver
- Rent reporting
- Monthly live masterclass
$25 /month
No sign-up fee
Reported credit line$3,000
- Everything in Gold
- 1:1 credit report review
- Dispute letter templates
$35 /month
No sign-up fee
Reported credit line$5,000
- Everything in Platinum
- Quarterly coaching session
- Priority bilingual support
Monthly membership renews until you cancel. Cancel online in two clicks. See Truth in Lending disclosures and the Credit Account Agreement before you apply.
History simulator
See how your history grows
This shows what gets reported each month. It is not a score promise.
12on-time payments reported
1%reported utilization
$180total paid in membership
Your plan
Where you start
11224
Licenses & compliance
Regulated and on the record
Offering credit in the United States is regulated by federal and state law. This is how Reactivados operates within those rules.
15 U.S.C. §1681 · REG V
Fair Credit Reporting Act
We report accurate, complete data to the three bureaus and investigate every dispute within the required timelines.
15 U.S.C. §1601 · REG Z
Truth in Lending Act
Clear open-end credit disclosures before you sign: APR, fees, payment terms and billing rights.
15 U.S.C. §1691 · REG B
Equal Credit Opportunity Act
Every applicant is evaluated by the same criteria, without discrimination, and gets a written notice if declined.
15 U.S.C. §1693 · REG E
Electronic Fund Transfer Act
Autopay only with your written authorization. You can stop or change it at any time.
15 U.S.C. §6801 · REG P
Gramm-Leach-Bliley Act
We never sell your personal information. Our privacy notice explains what we collect and why.
15 U.S.C. §1679
Credit Repair Organizations Act
Reactivados is not a credit repair company. We don't remove accurate items and never charge in advance to improve a score.
| License / registration | Authority | Number | Status |
|---|---|---|---|
| Consumer lender licenses (multi-state) | State regulators via NMLS | NMLS ID #—— | In application |
| California Financing Law license | CA DFPI | #—— | In application |
| Data furnisher agreements | Equifax · Experian · TransUnion | — | Onboarding |
| Business entity & EIN | Delaware Secretary of State · IRS | EIN —— | Pending |
| Federal supervision & complaints | CFPB · FTC | consumerfinance.gov | In disclosures |
Questions
Straight answers
No. We only run a soft identity check. No hard inquiry shows up on your report.
No cash is issued. Your plan opens a revolving credit line that can only be used for Financial Gym content. Your membership pays it down, and that on-time activity is what we report.
Yes, in the states where we operate. We'll ask for your ITIN and a government-issued photo ID to verify who you are.
Most people with no file see a first score after about six months of reported history. We can't promise a score or a timeline, because your score depends on everything in your file.
Online, from your account, in two clicks. No phone call needed. Your account is reported as paid and closed.
Start today
Join, learn,
grow, reactivate.
In a few months you'll have something you don't have today: a record of on-time payments, in your name, that any lender can see.
Founding members get month one free