# Build: Credit Building

> Build credit history and savings through reported payments and a credit builder account. (iPhone/iPad app by PRG Ventures, Inc..)

- Source: https://appshunter.io/ios/app/build-credit-building/id6446790811 (this page in markdown: same URL + `.md`)
- Developer: [PRG Ventures, Inc.](https://appshunter.io/developer/1679099287)
- Category: Finance
- Price: Free
- Rating: 3.20/5 from 15 App Store ratings · 6 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.0 · 96 MB
- Languages: American English
- Released: 2023-03-29
- Data updated: 2026-08-16
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/build-credit-building/id6446790811/reviews.md

## What is Build?

Build believes everyone should have the opportunity to improve their financial health. We’ve worked hard to provide access to credit-building products like the Build Credit Builder Account. Your payments will help you build accumulated savings¹ and your payment history will be reported to Equifax and Transunion.

Download the Build app today to apply, manage your account, and monitor your savings progress.

There is no hard credit pull and no credit needed. Build your credit history with Equifax and Transunion for as little as $25/mo². Get started today!

Please visit www.getbuild.com for more information.

Disclosures:

All customer accumulated principal payments are deposited into a locked savings account controlled by Build and are not FDIC insured. Access to loan products is subject to approval by PRGB, Inc., who determines qualifications for any terms of credit. Individual borrowers must be U.S. Citizens or permanent residents and at least 18 years old. Not available in all states. Valid bank account and Social Security Number are required. All loans are subject to ID verification. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. This product will not remove negative credit history from your credit report.

PRGB, Inc. dba "Build", NMLS No. 2410706

¹The locked savings account does not earn interest. The funds in your locked savings account will not be accessible until your loan is paid in full or closed. You build savings by having funds available to you at the end of the loan in your locked savings account. Note that interest and a one-time, prepaid administration fee apply to the loan product. Customers who complete the full terms of the Credit Builder Loan can receive approximately 85% of the loan funds once the loan is repaid in full.

²For example: (1) Starter Loan: Your loan amount is $520. You make $25 monthly loan payments for 24 months and there is a $9 administration fee. 15.92% Annual Percentage Rate.  By the end of your loan term, you will have paid $609 ($89 cost).

## Key features

- Build credit history
- Reported to major credit bureaus
- Credit builder account
- Monitor savings progress
- No hard credit pull
- Flexible payment options

## Recent user reviews (6 of 6)

All indexed reviews: https://appshunter.io/ios/app/build-credit-building/id6446790811/reviews.md

### 1/5 — Scam

*2026-06-04*

Every time it is time to agree with the terms and conditions to receive the loan, the page refreshes and starts all over.

### 1/5 — Scam

*2025-11-14*

Scammmmm

### 1/5 — Doesn’t make sense

*2024-05-17*

SCAM!!!!!! Something about this app is starting to seem fishy. I went to sign in and the app said it wasn’t available in my area. I called customer service and they claimed it was due to maintenance and I should make the payment on the phone. I declined and waited until the site was back up running. Made my payment and now I get an email saying my account is closed and my money will be sent to my account. No money in the build account and no money in my bank account. Imma try again tomorrow and even if it appears imma see if I can close this out because every month seems like an issue. Also the fact that I have to verify with a code everytime to log in is ridiculous. If I know my password why do I need to verify every single time. 

Update on app: the my randomly closed down the app and emailed stating a refund will be made of the total amount including my sign up fee. I only got back the amount after they took $40 interest .  The account screams scam. Now the contact phone number doesn’t work at all .

### 1/5 — Doesn’t make sense

*2024-05-15*

Something about this app is starting to seem fishy. I went to sign in and the app said it wasn’t available in my area. I called customer service and they claimed it was due to maintenance and I should make the payment on the phone. I declined and waited until the site was back up running. Made my payment and now I get an email saying my account is closed and my money will be sent to my account. No money in the build account and no money in my bank account. Imma try again tomorrow and even if it appears imma see if I can close this out because every month seems like an issue. Also the fact that I have to verify with a code everytime to log in is ridiculous. If I know my password why do I need to verify every single time

### 1/5 — SCAM SCAM SCAM STAY AWAY

*2024-03-15*

This app is a freaking Scam. Nothing works, can’t make payments then they have the Gaul to HURT your credit. Predatory and frankly disgusting.

### 5/5 — Login issue

*2023-12-26*

A better login, I don’t like that I have to re-type my email and password to login every time

## Frequently asked questions about Build

### How does Build help improve my credit score?

Build reports your on-time payment history for its credit builder account to the three major credit bureaus. Consistent, timely payments are a key factor in credit scoring, helping to establish or improve your credit history over time.

### Does Build have ads?

Yes, Build contains advertisements. As a free application, advertisements are displayed to support its continued development and availability.

### What are the costs associated with Build?

The app is free to download. The Credit Builder Loan product has a monthly payment starting at $25, plus a $9 administration fee and interest. For example, a $520 loan with $25 monthly payments over 24 months results in a total cost of $609.

### Is Build available on all devices?

Build is available on iPhone, iPad, and iPod. It is designed for iOS devices.

### What is the age and residency requirement for Build?

Individual borrowers must be U.S. Citizens or permanent residents and at least 18 years old. A valid bank account and Social Security Number are also required.

### How often is Build updated?

The latest version is 2.11.0, released on March 26, 2026. Updates are provided regularly to enhance features and performance.

### What happens to my payments in the Build Credit Builder Account?

Your accumulated principal payments are deposited into a locked savings account controlled by Build. These funds are not FDIC insured and are accessible only after your loan is paid in full or closed.

### Can Build remove negative credit history?

No, this product will not remove negative credit history from your credit report. It is designed to help build positive payment history.

## Version history (last 5 releases)

### 2.13.10 — 2026-08-14

Bug fixes and improvements

### 2.13.9 — 2026-07-28

Bug fixes and improvements

### 2.13.8 — 2026-07-24

Bug fixes and improvements

### 2.13.6 — 2026-07-09

Bug fixes and improvements

### 2.13.5 — 2026-07-03

Bug fixes and improvements

## Apps similar to Build

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Self - Credit Builder & Cards](https://appshunter.io/ios/app/self-credit-builder-and-cards/id1364215562) | 4.9 (323,860) | Free | Finance |
| [Credit Sesame: Grow Your Score](https://appshunter.io/ios/app/credit-sesame-grow-your-score/id476718980) | 4.8 (436,368) | Free | Finance |
| [Kikoff – Build Credit Quickly](https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784) | 4.9 (261,817) | Free | Finance |
| [Experian®](https://appshunter.io/ios/app/experian/id1087101090) | 4.8 (2,685,947) | Free | Finance |
| [Intuit Credit Karma](https://appshunter.io/ios/app/intuit-credit-karma/id519817714) | 4.8 (7,697,419) | Free | Finance |
| [Extra](https://appshunter.io/ios/app/extra/id1489550124) | 4.6 (9,527) | Free | Finance |

## More apps by PRG Ventures, Inc.

- [Money App - Cash Advance](https://appshunter.io/ios/app/money-app-cash-advance/id6476117215)

All apps by PRG Ventures, Inc.: https://appshunter.io/developer/1679099287

## Related topics

[build credit loan](https://appshunter.io/ios/topics/build-credit-loan) · [build credit bank](https://appshunter.io/ios/topics/build-credit-bank) · [credit building loan](https://appshunter.io/ios/topics/credit-building-loan)

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*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 2026-08-16.*