Fynory - Credit Builder App
Finance
Free
Build U.S. credit from your country or from here. No Social Security number, just your passport. We report your payments to Equifax, TransUnion & Experian.
Fynory is the easiest, safest way to build U.S. credit history, wherever you are. No debt, no traditional credit cards, and no credit check.
NOW FROM YOUR COUNTRY TOO
You don't need to live in the U.S. or have a Social Security number (SSN). We verify you with your passport and report your payments to U.S. credit bureaus. If you don't have an SSN, we guide you through getting your ITIN, the IRS tax ID number that makes your U.S. credit count.
HOW IT WORKS
1. Choose your plan: Starter, Plus, or Premium based on your needs.
2. Verify your identity: with your passport or national ID. No credit check.
3. We report your payments: every monthly payment is reported to major U.S. bureaus (Equifax, TransUnion, and Experian, depending on your plan).
4. Your history grows: with on-time, consistent payments, your credit history builds month by month.
PLANS
• Starter: reports to 1 bureau. Perfect to get started.
• Plus: reports to 2 bureaus. More coverage, more impact.
• Premium: reports to all 3 bureaus. Full coverage.
Pricing adjusts to your country, from $3.99/month. In the U.S., plans ($7.99 / $12.99 / $19.99) also include a virtual credit line, with no upfront deposit and no real debt.
KEY FEATURES
• Build U.S. credit from your country or from here
• No SSN: we verify you with your passport
• Support to get your ITIN
• No credit check to enroll
• Automatic monthly reporting to credit bureaus
• Track your progress inside the app
• Credit simulator to project your progress
• Complete, transparent payment history
• Financial education center with practical lessons
• Achievements and payment streaks to keep you motivated
• Full experience in English and Spanish
WHO IS FYNORY FOR?
• People in Latin America who want to build U.S. credit from their country
• Immigrants who need to establish credit in the United States
• Anyone with no credit history who wants to start from scratch safely
SECURITY & PRIVACY
Your information is protected with bank-level encryption. We verify your identity for your safety and comply with applicable financial regulations.
SUBSCRIPTION
Fynory offers monthly auto-renewing subscription plans. Payment is charged to your registered payment method. You can cancel anytime from the Profile section inside the app. Cancellation takes effect at the end of the current billing period.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.fynory.app/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
• You can now build U.S. credit from your country, with no Social Security number — we verify you with your passport.
• Support to get your ITIN.
• Clearer, faster identity verification.
• Performance, stability, and bug fixes.
The developer, Fynory LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- User Content
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
- User Content
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Fynory LLC
- Size
- 58.7 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later.
- iPhone
- Languages
- English and Spanish
- Age Rating
18+
- 18+
- Copyright
- © 2026 Fynory LLC.
