AreliScore
🏠 For people who pay rent and utilities on time
Securely connect your bank account. AreliScore identifies your on-time rent, electricity, water, and phone payments and helps turn them into credit history.
You don't need a new loan or credit card.
How it works
You don't need to upload receipts or ask your landlord for letters. AreliScore verifies your payments directly with your bank.
Securely link your account via Plaid. AreliScore never sees or stores your banking username or password.
We automatically identify your on-time rent, electricity, water, and phone payments.
Get your AreliScore Certificate with your verified payment history and identity, ready to show whenever you need it.
What we verify
No Social Security number?
Your AreliScore Certificate shows your landlord or property manager that you pay on time. No SSN or ITIN needed.
The Certificate requires an active membership. Each landlord decides which documents to accept. Credit bureau reporting does require an SSN or ITIN; you also get free guides to get your ITIN.
Why AreliScore
You already pay your bills. We help that effort count.
You don't need a loan or a credit card to get started.
Connect your bank once and we detect your payments for you.
If you provide it, your Social Security number is stored encrypted. We do not sell your personal information.
AreliScore Certificate
A document with your verified identity and on-time payment history for one service. Great to show a landlord.
Illustrative image. Not a real customer.
Pricing
No long contracts. Cancel anytime.
Monthly membership
$5/month
One-time payment, per service
$14.99/service
Secure payments processed by Stripe.
FAQ
To have your payments reported to the credit bureaus, yes. To connect your bank, see your detected payments and buy your Certificate, you don't (the Certificate requires an active membership, just like with an SSN or ITIN). You must be at least 18 years old and reside in the United States.
You can still use AreliScore. When you sign in, choose “I have neither” and fill in your details: then you subscribe to the membership, connect your bank, we detect your rent and utility payments, and you can buy your Certificate to show when renting. You also get free guides to get your ITIN. Credit bureau reporting requires an SSN or ITIN; once you have one, come back to your account and continue.
Yes. We use Plaid, a service used by thousands of financial apps, to securely connect your bank. AreliScore never sees or stores your banking username or password.
No. Credit scores are calculated by third parties using factors outside our control. We do not guarantee a specific score increase.
Yes, you can cancel your membership anytime from your dashboard or by contacting support.
Yes. The Certificate ($14.99 per service) is purchased with an active $5/month membership.
Today AreliScore detects and records your on-time payment history and gives you the Certificate. Automatic reporting to Equifax, Experian and TransUnion is not active yet; we will let you know when it is.
Free resource
Learn, step by step, how to get your reports at no cost, find errors and dispute them with the bureaus. You get it by email.
Pay $14.99 $7.50. Use code at checkout. Requires an active membership.