Pretty amazing
It does work. Just give it time.
Free
About
Build U.S. credit history from anywhere, even without a Social Security Number or traditional credit cards. Safely establish your financial future with automated reporting and educational resources.
✓Build U.S. credit from abroad
✓No SSN or credit check required
✓Automatic credit bureau reporting
✓AI Concierge support
✓Financial education center
✓Track progress and achievements
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What's New in Fynory
1.3.0
October 3, 2026
Meet the new Fynory. We rebuilt the whole app to make building credit clearer and easier: • A fresh new design, cleaner and faster. • Your home screen shows when your payments were reported to the bureaus and when the next report is. • Concierge, our AI assistant, answers questions about your plan, charges and account. • A redesigned Learn section with short lessons and your progress. • Autopay, PDF invoices and clearer payment methods. Thanks for building your future with us.
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FAQ
How does Fynory help build U.S. credit?
Fynory reports your on-time monthly payments to major U.S. credit bureaus, helping to establish and grow your credit history. This process is designed to be safe and accessible, even if you are outside the U.S.
Do I need a Social Security Number (SSN) to use Fynory?
No, Fynory does not require an SSN or ITIN to sign up. You can start building credit using your passport or national ID, making it accessible to a wider range of users.
What are the different Fynory plans?
Fynory offers Starter, Plus, and Premium plans. These plans vary in the number of credit bureaus they report to, offering 1, 2, or all 3 major bureaus for increased credit coverage and impact.
How much does Fynory cost?
Pricing for Fynory adjusts to your country, starting from $3.99/month internationally. In the U.S., plans range from $7.99 to $19.99 per month and may include a virtual credit line.
Can I cancel my Fynory subscription?
Yes, you can cancel your Fynory subscription at any time from the Profile section within the app. Your cancellation will take effect at the end of your current billing period.
Is Fynory secure?
Fynory prioritizes security by protecting your information with encryption and never asking for your SSN or ITIN. The app complies with applicable financial regulations to ensure user data is safe.
What is the update frequency for Fynory?
The latest version of Fynory is 1.3.0, last updated on October 3, 2026. This indicates regular updates to improve functionality and security.
What devices support Fynory?
Fynory is available on iPhone and iPad devices, catering to users within the Apple ecosystem. The age rating for the app is 17+.
