For millions of Americans, having a credit history isn’t the same as having a credit score. And when you’re unscorable, the impact on your financial life can be overwhelming—whether it’s getting denied for a credit card, paying higher interest on a car loan, or being locked out of rental housing.
That’s where Liftoff comes in.
🚀 Real Stories, Real Results
Liftoff customers come from all walks of life, but they share one goal: unlocking better financial opportunities through better credit.
· Vishal boosted his credit score by 45 points with Liftoff. The result? He was approved for a mortgage and bought his first home.
· Lindsay, a college student and one of over 40 million Americans once considered “credit invisible,” now holds a credit score of 658 and her first credit card.
· Raul watched his credit jump from 610 to 695—just in time to secure a mortgage for his forever home where he’s now raising his family.
· Gloria, new to the U.S., struggled to understand credit. With Liftoff, she not only got approved for her first credit card but gained the financial knowledge to pass on to her children.
These stories aren’t the exception—they’re the expectation with Liftoff.
🏠 Why Rent Should Count—and How Liftoff Makes It Happen
Rent is likely your largest monthly expense. But unless you're actively reporting it, it does nothing for your credit profile. Liftoff makes sure your on-time rent payments count.
Here’s how it works:
· Liftoff verifies up to 24 months of past rent payments and continues to report your ongoing monthly rent directly to TransUnion and Equifax—two of the major credit bureaus.
· Your rent payments appear as a trade line on your credit report, helping you build a strong credit history—without taking on new debt.
· On average, Liftoff customers see a credit score increase of up to 40 points.
This isn't a credit hack—it's real, sustainable financial growth.
🔧 But Liftoff Doesn’t Stop at Rent Reporting
Rent reporting is just the beginning. Liftoff offers a full toolkit to help you build credit from scratch or rebuild it after setbacks:
💳 Credit Builder Account
A small, secure instalment loan that’s repaid over time—no credit check required. Your payments are reported monthly to all major bureaus, helping you establish a positive payment history and build score momentum.
📺 Subscription Reporting
Already paying for Netflix, your phone bill, or internet? Liftoff turns those recurring monthly payments into powerful credit-building tools. These accounts help diversify your credit mix— one of the key factors in your score.
🔍 Credit Monitoring
Stay on top of your score with real-time credit alerts and insights. Liftoff provides ongoing updates to help you track your progress and spot opportunities to improve even faster.
📈 Why Liftoff Works
Credit scores are all about trust and consistency. By reporting your rent, subscriptions, and builder accounts, Liftoff helps you:
· Establish a verified credit history
· Improve your credit utilization and mix
· Demonstrate financial responsibility—without risky credit card debt
· Unlock better rates, lower deposits, and more financial opportunities
Whether you're a student, a new immigrant, or someone recovering from financial hardship, Liftoff is the safest, smartest path to stronger credit.
🌟 Your Credit Should Work for You—Not Against You
Liftoff believes your responsible financial behavior should be seen and rewarded. We help make sure it is.
👉 Start building credit today—with the bills you already pay. Join Liftoff and take the first step toward your new financial future.