Your credit score is costing you thousands. Fix it for less than lunch.
Every point below 720 raises your mortgage rate, your car loan, even your insurance. Bedrock members add an average of +74 points in 12 months — with a reported tradeline, bill reporting, and AI dispute letters that find the errors bureaus hope you never check. See your number in 60 seconds.
Early-access members lock $12/mo for life. When we launch publicly, Core goes to $15. Every plan: cancel anytime, no hidden "activation" fees like the other guys.
The other guys
Entry price
What you really get
Kikoff
$5/mo teaser
$750 line; the $2,500 line costs $20/mo
StellarFi
$15/mo
Bills only — no tradeline at entry tier
Self
$25+/mo
You lend money to yourself, wait 24 mo
Credit repair agencies
$99+/mo
Letters you could write yourself + CROA risk
Bedrock Core
$12/mo
$2,500 tradeline + bills + AI disputes, one price
Business
Build the file. Then get funded.
Bedrock Business builds your EIN→PAYDEX file on autopilot ($29/mo) — and when you're ready for capital, our funding desk reviews your deal in minutes: fix-and-flip loans, bridge capital, business lines. One relationship: build credit → prove cash flow → borrow against your business, not your SSN.
Weeks 1–2LLC + EIN (free via IRS) → D-U-N-S number → business bank account open
Months 1–3Net-30 vendor tradelines live — Quill, Grainger, Crown Office Supplies (verified D&B reporters; Uline's positive reporting is contested — confirm by phone)
Months 3–6First PAYDEX score generates with 3+ reporting lines paid early
Month 6+No-personal-guarantee cards unlocked by cash flow (Ramp/Brex-class underwriting)
The Bedrock Funding Desk
Ready for capital? Get a pre-qualification in minutes.
Fix & flip · bridge · business lines — AI-underwritten, human-approved. No SSN hit to check your rate fit.