Credit Building Tools

Reporting and loan solutions to build consumer credit

Many consumers have thin- and no-file credit histories, which may prevent them from qualifying for a credit product. Fintechs and Issuers can help consumers build their credit over time by reporting on-time payments of bills like utilities and subscriptions or offering no-interest credit building loans.

Target Audience

  • Fintechs
  • Issuers

Related APIs


Incorporate reporting tools or credit building products that can help consumers build credit over time. Such tools can be can be provided by Mastercard Engage-qualified partners.
Credit Building Loans

Features tracking credit capabilities credit through a record of on-time payments

Credit Building Reporting

Features collecting and storing financial data submitted by creditors.