credit builder program
credit builder program

Personal credit building program for ITIN's

$355.00

Build the Credit You Need to Live the Life You Deserve — No Matter Your Current Status

At Brivisto, we understand the challenges newly arrived individuals face when trying to build credit in the United States. Whether you have an ITIN, a Social Security Number through work, or have recently received your SSN, our Proprietary Personal Credit-Building System is designed specifically for your situation.

This is not a generic, one-size-fits-all program. This is a targeted, high-impact credit-building system that helps you create a strong financial profile quickly — one that lenders actually take seriously.

✅ What Makes This Program Different

Unlike popular credit apps like Self, Kickoff, or Credit Karma — which can take years to show meaningful results and mostly help with scores, not lending power — Brivisto’s system is engineered to do three key things:

  1. Help you build strong credit within 30 days

  2. Position you to qualify for auto financing, mortgages, and high-limit credit cards

  3. Support your long-term goals, including immigration and residency applications

💳 Real Credit — Not Just a Score Boost

Our program includes actual tradelines that report to Experian, Equifax, and TransUnion — with a combined credit limit of no less than $10,000. These are not gimmicks or simulated accounts. These are real credit lines that appear on your report within 30 days of purchase.

Tradelines are essential because they demonstrate to lenders that:

  • You have available credit

  • You can manage large credit limits

  • You’re financially responsible

This is the type of credit history that can help you get approved for:

  • A car loan with a fair interest rate

  • A mortgage to buy your first home

  • Business financing or equipment loans

  • Higher-limit, lower-interest personal credit cards

👎 Why Most Credit-Building Apps Don’t Work for You

Apps like Self or Kickoff can help a little, but they’re not built for immigrants, visa holders, or those using ITINs. They don’t add meaningful trade lines. And banks know it. Lenders view those accounts as credit-building tools, not real financial responsibility.

These apps also take years of on-time payments to move your score meaningfully — and even then, your report may still be too weak to qualify for real financing.

🚀 The Brivisto Advantage

Brivisto is the only company currently offering this exact program, created using over 100 years of combined experience in banking, credit, and immigration finance. We understand how to build not just a score, but a credit report that lenders trust.

This program was designed by former banking executives, credit experts, and immigration specialists who know what underwriters actually look for. Our goal isn’t just to boost your score — it’s to help you create a financial identity that opens doors.

🔒 Your Future Starts Here

Whether you're working toward permanent residency, planning to purchase a car or home, or simply want access to better financial tools, this program puts you on the fast track to financial freedom.

No monthly gimmicks. No fluff. Just results.

Frequency:
$355.00
$355.00
Every month • For 6 payments

Build the Credit You Need to Live the Life You Deserve — No Matter Your Current Status

At Brivisto, we understand the challenges newly arrived individuals face when trying to build credit in the United States. Whether you have an ITIN, a Social Security Number through work, or have recently received your SSN, our Proprietary Personal Credit-Building System is designed specifically for your situation.

This is not a generic, one-size-fits-all program. This is a targeted, high-impact credit-building system that helps you create a strong financial profile quickly — one that lenders actually take seriously.

✅ What Makes This Program Different

Unlike popular credit apps like Self, Kickoff, or Credit Karma — which can take years to show meaningful results and mostly help with scores, not lending power — Brivisto’s system is engineered to do three key things:

  1. Help you build strong credit within 30 days

  2. Position you to qualify for auto financing, mortgages, and high-limit credit cards

  3. Support your long-term goals, including immigration and residency applications

💳 Real Credit — Not Just a Score Boost

Our program includes actual tradelines that report to Experian, Equifax, and TransUnion — with a combined credit limit of no less than $10,000. These are not gimmicks or simulated accounts. These are real credit lines that appear on your report within 30 days of purchase.

Tradelines are essential because they demonstrate to lenders that:

  • You have available credit

  • You can manage large credit limits

  • You’re financially responsible

This is the type of credit history that can help you get approved for:

  • A car loan with a fair interest rate

  • A mortgage to buy your first home

  • Business financing or equipment loans

  • Higher-limit, lower-interest personal credit cards

👎 Why Most Credit-Building Apps Don’t Work for You

Apps like Self or Kickoff can help a little, but they’re not built for immigrants, visa holders, or those using ITINs. They don’t add meaningful trade lines. And banks know it. Lenders view those accounts as credit-building tools, not real financial responsibility.

These apps also take years of on-time payments to move your score meaningfully — and even then, your report may still be too weak to qualify for real financing.

🚀 The Brivisto Advantage

Brivisto is the only company currently offering this exact program, created using over 100 years of combined experience in banking, credit, and immigration finance. We understand how to build not just a score, but a credit report that lenders trust.

This program was designed by former banking executives, credit experts, and immigration specialists who know what underwriters actually look for. Our goal isn’t just to boost your score — it’s to help you create a financial identity that opens doors.

🔒 Your Future Starts Here

Whether you're working toward permanent residency, planning to purchase a car or home, or simply want access to better financial tools, this program puts you on the fast track to financial freedom.

No monthly gimmicks. No fluff. Just results.

⚠️ Not All Credit-Building Programs Are Created Equal

There are countless programs that claim to help you build credit quickly — but most are not built for people in your situation. If you’re applying for citizenship, using an ITIN, or here on a visa, tools like Self, Credit Karma, and Kickoff may sound appealing, but they typically take years to make a real difference.

Even worse, lenders and banks know exactly what these programs are — and they know you're not actually repaying a true debt. Because of this, those accounts often carry very little weight when you're trying to qualify for a car loan, mortgage, business financing, or high-limit credit cards.

Yes, these programs can improve your score slowly — but they don’t build the kind of credit history that leads to real approvals.

💡 What Makes Brivisto Different

Brivisto’s proprietary credit-building system is not available anywhere else. It’s designed specifically for immigrants, newly arrived individuals, and those starting out with an ITIN or new SSN. Our system helps build a powerful, credible credit profile that lenders notice — with real tradelines, actual credit limits, and the structure needed to qualify for the products and services you want.

But we go even further.

Did you know that the way your company is formed, including the NAICS (North American Industry Classification System) code attached to your business, can directly affect how banks and lenders view your creditworthiness? Even if you pay your bills on time and run a successful business, the wrong classification code can label your business as high-risk, limiting your access to funding, lowering your credit potential, and even leading to higher interest rates.

At Brivisto, we understand these hidden details. We ensure your business is properly structured and coded, giving you the best chance to qualify for loans, credit lines, and long-term growth — from day one.

🚀 Built on Real-World Experience

With over 80 years of combined experience in banking, credit, and finance, Brivisto is backed by a deep network of banks, auto dealers, real estate agents, and financial professionals. This gives us the ability to offer exclusive solutions that are effective, fast, and legally sound — tailored to your exact situation.

We’re not just here to raise your score.
We’re here to build your future — with the right credit, the right structure, and the right strategy.