FAQ
Questions People Actually Ask
Including the ones with answers we would rather you heard from us than found out later.
How much does Develop Credit cost?+
Develop Credit Builder starts at $49/month: $49 for a $5,000 reported limit, $99 for $10,000, or $199 for $30,000. All three together are $312.30/month, 10% off — a rate that applies only when they are bought together, and is not applied retroactively to accounts you already hold. Billing starts the day you subscribe. No free trial, no setup fee, no minimum term, and you can cancel any account on its own with no fee. The Track, Build and Fund monitoring plans are listed at $19, $29 and $49 but are not running yet.
Will checking my business credit hurt my score?+
No. Develop Credit is built around soft-pull checks, which don't affect your credit score the way a hard inquiry from a lender application would.
How is business credit different from my personal credit score?+
Your personal credit score is tied to your Social Security number. Business credit is tied to your business's EIN and its own history — separate from you personally, and visible to vendors and lenders evaluating your business specifically. Worth knowing: early on, plenty of lenders still look at the owner's personal file before a young business has a record of its own, so the two aren't fully independent until your business profile is established.
Do I need an LLC or corporation to use this?+
Having a formal entity (LLC, S-Corp, C-Corp, etc.) helps you build a business credit profile that's cleanly separated from your personal credit, but you can create an account regardless of entity type.
What happens after I sign up?+
You will get access to your dashboard straight away. Reporting has not started yet. We are completing the furnishing agreements that let us submit tradelines, and your account is queued from the day you join — you will be told the date your first submission goes, and you can cancel at any time before then with no fee.
Is the reporting selective — do you only report the good months?+
No, and it is worth being plain about. Pay on time and the on-time payment is what gets reported. Miss one and that is reported too. A tradeline that only ever showed good months would be worth nothing to the lender reading it, which is the whole reason a real one is worth having.
Not Answered Here?
Ask us directly — we reply to everything. If your question is about something already on your credit report, the dispute form starts a formal investigation instead.