Altro - Build Credit 4+

Financial Power for All

Perch Credit Inc.

    • 3.1 • 531 Ratings
    • Free

iPhone Screenshots


Make every payment count.

Traditionally, one of the only ways to build a credit score is by having a credit history. We help you earn credit by starting with the recurring payments you’re already making with your subscriptions. With Altro, every payment counts.

Easily link recurring payments to leverage unseen and uncounted payments to build your credit score.

You can automate:
On-time subscription payments - convert any recurring monthly payments into a credit history.

Step up your education: The app includes financial content written by our team to take your knowledge to the next level and help you make your next financial moves.

Keep track of your FICO score and receive notifications about when it changes to stay ahead of your credit changes.

Be confident your info is secure: We secure all sensitive information using 256-bit encryption supported by Transport Layer Security (TLS).

What’s New

Version 2.30.0

This update features bug fixes and UI improvements for login and profile flows.

Ratings and Reviews

3.1 out of 5
531 Ratings

531 Ratings

Sophisticated TT 💗 ,

Can’t login since cohort 12 went live

Hey I’ve waited 3 months for cohort 12 to go live an once it finally did I still couldn’t login or create an account. I’ve emailed and reported the problem through the “shake to report” feature however now that is no longer working either. I was really excited to use the app but haven’t be able to create an account without the app telling me the type of password won’t work but I’ve met all the password requirements or and uppercase letter, 1 number or special character etc. I’ve also tried more than one password option and it still shoots it the same invalid password error. I’m really lost on the next step to take…. I hope I can get some help since I’ve waited to long to use this resource!

Developer Response ,

Hi there! We sincerely apologize for any inconvenience this may have caused for you. Let's get this issue resolved for you as soon as possible. Please email us at where we can further assist you.

official_lilpolo ,

THE WAIT, but I didn’t complain I added tips for improvement.

I don’t understand why we are on cohort 11, I have had the app for over 3 months and I have been waiting for cohort 11 for about 2 months. I know it’s none of my business but whoever credit that bad should just try to fix it through some other platform because, they are making it worse for people. I’m trying to give my credit a little nudge to get even better but, it hasn’t left off cohort 11 for 2 and a half months it’s OKAY to leave that person out; I promise they strangler is really hurting the time some people want to buy a house, car, boat, even get a personal loan and this could help people but people are I downloading this app because of the wait time. I’m not here to insult or just complain without trying to fix it so here the idea, the people who has the worst credit problem that is causing a hiccup pull them to the side and help them 1 at a later time or 2 push them to a “specialty cohort”. This would be beneficial to everyone I do not want to keep updating and waiting on the app. I just want to see it move faster! Thank you if you decide to use my opinion to help.

DJCwells ,

Haven’t seen credit reporting

I’ve had the app for over 6 months now, I haven’t seen any credit reporting on my rental payments at all. I have been trying to make a payment on the credit card that is used to report my subscriptions through the app for over a week now and it doesn’t work. The only response I received was to switch my subscriptions back to my regular card until they fixed the system. My due date for my payment has passed and I still can’t make a payment. Tried to follow up on the status of the fix and haven’t received a refund. This entire process has not been what was initially described when this was rolled out. Update: Still haven’t been able to make a payment for my subscriptions, rental reporting completely stopped as soon as it started. Every time I contact support they say they are working on the glitch, it’s been months since I first contacted them and it’s still not fixed. Can’t link my bank account anymore. I’m trying to pay my balance but can’t. This is ridiculous.

App Privacy

The developer, Perch Credit Inc., 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 Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • User Content
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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