# Becca's: Smart Credit Builder — Score Tracking & Monitoring > Credit building app with AI guidance and automatic reporting to bureaus. (iPhone/iPad app by Beccas Home LLC.) - Source: https://appshunter.io/ios/app/beccas-smart-credit-builder/id6754761623 (this page in markdown: same URL + `.md`) - Developer: [Beccas Home LLC](https://appshunter.io/developer/1845736076) - Category: Finance - Price: Free - Rating: 4.50/5 from 21 App Store ratings · 18 written reviews indexed - Age rating: 4+ - Requires: iOS 15.5 · 18 MB - Languages: American English, Arabic, Catalan, Czech, Danish, Dutch, Estonian, Finnish, French (France), Scottish Gaelic and 17 more - Released: 2025-11-13 - Data updated: 2026-08-25 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/beccas-smart-credit-builder/id6754761623/reviews.md ## What is Becca's? Building credit shouldn't be complicated. Becca's makes it simple, starting at just $9/month. No credit needed. Backed by a 45-day money-back guarantee. No credit? Low credit? No problem. Becca's gives you everything you need to start building credit and taking control of your financial future, all in one app. HOW IT WORKS 1. Sign up in minutes. No credit needed, no hassle. 2. Make your affordable monthly payment. 3. We report your payments to all major credit bureaus automatically. 4. Track your progress in the app. That's it. You make the payment, we handle the rest. ASK BECCA: YOUR AI CREDIT GUIDE Have a question about your credit? Just ask Becca, your AI-powered guide built right into the app. Becca is ready to help you make sense of your credit report. Becca can help you explore what's on your report, break down credit concepts in plain language, and highlight areas that may be worth a closer look. No confusing jargon. Just clear, friendly explanations whenever you need them. Wondering what might be affecting your score? Ask Becca. Want to understand what utilization means? Ask Becca. Not sure how credit bureaus work? You guessed it: ask Becca. AI-generated insights are for educational and informational purposes only and should not be considered financial advice. CREDIT MONITORING Check your credit score and view your credit report directly in the app. Powered by Equifax data and VantageScore 3.0, you get a clear picture of where you stand. Watch your progress take shape month over month. AUTOMATIC BUREAU REPORTING Your payments are reported to all major credit bureaus every month. Consistent payment history is the single biggest factor in your credit score, and Becca's makes it easy to stay on track. NEVER MISS A PAYMENT Turn on autopay and your monthly payment is taken care of automatically. Missed payments can hurt your credit score, so autopay helps protect the progress you've worked to build. SIMPLE PRICING. NO SURPRISES. Becca's starts at just $9/month. No hidden fees. No interest charges. One simple monthly payment that goes toward building your credit history. Try Becca's with confidence. 45-day money-back guarantee, cancel anytime. WHO IS BECCA'S FOR? - You have no credit history and want to start building for the first time - You have a low credit score and want a simple path forward - You want a friendly AI credit guide, not just a payment tool - You're looking for an affordable, stress-free way to build credit Your credit score affects everything: apartments, car loans, interest rates, even job applications. The sooner you start, the more doors open. Individual results may vary. Becca's reports payments to major credit bureaus, but does not guarantee any specific credit score improvement. Late or missed payments may negatively impact your credit score. Becca's is not a credit repair service. AI-generated insights are for educational and informational purposes only and do not constitute financial advice. © Beccas Home LLC | Terms & privacy: https://joinbeccas.com ## Key features - Credit score tracking - Automatic bureau reporting - AI credit guide - Payment reminders - No credit history required - 45-day money-back guarantee ## Recent user reviews (10 of 18) All indexed reviews: https://appshunter.io/ios/app/beccas-smart-credit-builder/id6754761623/reviews.md ### 5/5 — credit score *2026-08-15, version 1.1.0* this is the best credit builder out there does all the lifting and works one of the best decisions I've ever made ### 5/5 — big boost Subject *2026-07-10, version 1.0.9* beccas is really great worth it glad I signed up very pleased with the service 😀 ### 5/5 — big boost Subject *2026-07-09, version 1.0.9* beccas is really great worth it glad I signed up very pleased with the service 😀 ### 5/5 — Just wow *2026-07-07, version 1.0.9* best and easiest way to increase credit or begin your credit journey try it you will not regret it ### 5/5 — Download it! *2026-07-01, version 1.0.8* because is convenient and easy. I am glad I have them to help me with credit ### 5/5 — It’s for real *2026-06-24, version 1.0.8* This helped me on my credit and it as helped me maintain my credit since I’ve been having trouble with credit cards highly recommended this ### 5/5 — Best app for your credit score *2026-06-07, version 1.0.8* Tbh I tried a lot of apps to raise my credit score but this has to be the best by far with only paying a few dollars in total. I’m hoping to gain more points for paying everything on time for a month. This app is definitely the one for me and I’ll definitely be passing on the app to my friends ### 5/5 — GAME CHANGER!! *2026-05-28, version 1.0.7* pretty good works for me ### 5/5 — GAME CHANGER!! *2026-05-24, version 1.0.7* pretty good works for me ### 5/5 — Builds my motivation *2026-05-03, version 1.0.7* helps build your credit 👍 ## Frequently asked questions about Becca's ### Does Becca's have ads? Yes, Becca's contains advertisements. As a free application, it utilizes ads to support its services. ### What is the pricing for Becca's? Becca's starts at $9/month with no hidden fees or interest charges. The app offers a 45-day money-back guarantee and allows cancellation at any time. ### How does Becca's report to credit bureaus? Becca's automatically reports your monthly payments to all major credit bureaus. This consistent payment history is a key factor in building your credit score. ### Can I use Becca's if I have no credit history? Yes, Becca's is designed for individuals with no credit history. The sign-up process requires no prior credit and focuses on helping you start building it. ### What kind of credit score information does Becca's provide? Becca's provides access to your credit score and credit report directly within the app, powered by Equifax data and VantageScore 3.0. You can track your progress over time. ### Is Becca's a credit repair service? No, Becca's is not a credit repair service. It is a tool to help you build positive credit history through consistent payments. Late or missed payments may negatively impact your score. ### What devices does Becca's support? Becca's is available on iPhone and iPod devices. It is rated for ages 4 and up. ### How often is Becca's updated? The latest version of Becca's is 1.0.6, which was last updated on February 27, 2026. This indicates regular maintenance and potential feature additions. ## Version history (last 5 releases) ### 1.1.0 — 2026-07-30 We're frequently updating the app in order to give you the best experience. Turn on auto updates to ensure you always have the latest version. This update includes: Minor bug fixes and improvements. ### 1.0.9 — 2026-07-07 We're frequently updating the app in order to give you the best experience. Turn on auto updates to ensure you always have the latest version. This update includes: Minor bug fixes and improvements. ### 1.0.8 — 2026-06-03 We're frequently updating the app in order to give you the best experience. Turn on auto updates to ensure you always have the latest version. This update includes: Minor bug fixes and improvements.\ ### 1.0.7 — 2026-04-01 We're frequently updating the app in order to give you the best experience. Turn on auto updates to ensure you always have the latest version. This update includes: Minor bug fixes and improvements. ### 1.0.6 — 2026-02-27 We're frequently updating the app in order to give you the best experience. Turn on auto updates to ensure you always have the latest version. This update includes: Minor bug fixes and improvements. ## Apps similar to Becca's | App | Rating | Price | Category | | --- | --- | --- | --- | | [RentReporters](https://appshunter.io/ios/app/rentreporters/id6477802434) | 4.1 (19) | Free | Finance | | [TomoCredit](https://appshunter.io/ios/app/tomocredit/id6504301873) | 3.4 (523) | Free | Finance | | [Juzt Card](https://appshunter.io/ios/app/juzt-card/id6587575512) | 1.5 (23) | Free | Finance | | [Tides Credit](https://appshunter.io/ios/app/tides-credit/id6749377575) | 5.0 (2) | Free | Finance | | [eCredable LiftLocker](https://appshunter.io/ios/app/ecredable-liftlocker/id1579967403) | 1.8 (9) | Free | Finance | | [Arcane: Build Credit. Quick.](https://appshunter.io/ios/app/arcane-build-credit-quick/id6759348320) | 5.0 (4) | Free | Finance | ## Related topics [becca](https://appshunter.io/ios/topics/becca) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*