Credit builder
Konduit reports the bills you already pay and gives you a card built for one job: moving your score up. No hard credit check to get started.
What we hear
These are the three we get asked more than any others. The whole product is built to answer them.
How it works
Open an account, use the card, and let us report it. No deposit to fund and no statements to chase.
See what is moving your score and what to do next, in plain language, before it shows up on a report.
If it is not for you in the first month, tell us and we refund the membership. No conditions to read.
Membership
Members
"Just a few months of using this for my credit and my score went up 103 points."
— [reviewer handle], [month year]"My score went up 45 points within 30 days of signing up. Konduit is a game changer."
— [reviewer handle], [month year]Takes about two minutes. Checking your rate will not affect your credit score.
We'll send a confirmation email to this address. No spam, ever.
We sent a confirmation email to your address. Pick how you'd like to finish setting up your account.
You can change this at any time in your account settings.
Offer insights and suggestions tailored to your financial journey
Get savings recommendations on potential future loans
Your privacy is important to us
Be accurate, as this helps verify your identity. You need to be at least 18 to open an account.
Disclosures | Privacy Policy | Security | Terms and Conditions
We'll text you a 6-digit code to confirm it's you.
By entering your phone number, you give Konduit consent to text you regarding the products and services you are inquiring about or utilizing and accept Konduit's Disclosures. Message and data rates apply.
It should arrive within a few seconds.
Use the name on your driver's license or government-issued ID.
Street address, no PO boxes.
We need this to verify your identity and check your credit. This won't hurt your credit.
US Federal regulations require us to confirm your identity. This will NOT impact your credit. Your information is transmitted securely.
Turn on browser notifications so nothing catches you by surprise.
Reminders so you don't miss a payment
Alerts if something could hurt your score
Turn off anytime in Settings
This allows us to gather your credit score. Review and make sure everything matches your official ID.
By clicking continue, you authorize Konduit to use the information displayed on this screen and any other information we request from you to confirm your identity. This helps the government fight the funding of terrorism and money laundering activities. This will NOT impact your credit. Your information is transmitted securely.
By clicking continue, you give Konduit consent to text you at the number displayed above regarding the products and services you are inquiring about or utilizing and accept Konduit's Disclosures. Message and data rates apply.
We'll come back to you by email at your address in a couple of minutes. You can close this page, there's nothing else to do right now.
Application receivedJust now
Identity and credit checkUsually under 2 minutes
Decision emailed to youKonduit Card and bill reporting activate right after