Build a history you can understand.

What the number means

The limits shown are for a restricted credit-building account. Final account limits and eligibility are confirmed before enrollment. They are not cash you receive or a general-purpose spending limit. A larger limit does not guarantee a larger score improvement.

How credit building works

1. Review program eligibility, identity checks, permitted use, and all costs.
2. Accept the credit account’s terms separately from the Zoey membership.
3. Understand the required payment, due date, and how on-time or missed payments are reported.
4. Use Zoey’s reminders and report explanations to follow the account over time.

What must be clear before you enroll

The provider, account type and term, APR or fees, total payment obligation, reporting bureaus, reporting schedule, identity requirements, and any credit inquiry will be disclosed before an application. No partner relationship or credit approval is being represented on this website.

Complete: bring rent and utility payments into the picture

Alongside its $3,500 builder limit, Complete includes ongoing rent reporting, eligible utility reporting, and a tracker showing which payments have been verified and reported.

Complete’s $39.99 launch membership includes rent and utility reporting for eligible payments, following your consent and verification. Supported bills, payment methods, reporting bureaus, timing, and cancellation rules will be confirmed before enrollment. Viewing three credit scores does not mean rent or utilities are reported to all three bureaus. Past-payment reporting is not included. No score improvement is guaranteed.

Membership cancellation and account closure

These are separate actions. Canceling a membership may not close a credit account or erase a balance. The final program must explain account closure, remaining payments, and reporting after closure before you agree.

Join Zoey early access

Explore the offer and join the free early-access list. Credit accounts are not being opened on this website.