How do I add Credit Builder to my Chexy subscription?
Adding Credit Builder (CB) to your Chexy subscription is quick and easy! Just follow these steps:
Eligibility: Credit Builder is a Chexy Plus feature. To enroll, you'll need an active Chexy Plus membership (Monthly or Annual). If you had Credit Builder active on a payment before June 19, 2026, you can keep using it on that same payment without Plus (legacy access). Legacy access does not transfer — if you cancel Credit Builder and add it to a different subscription, you'll need Chexy Plus. See Chexy Plus Membership for details.
Ensure you have an active recurring rent payment.
Your payment must be categorized as "Rent" when set up, or you had active rent payments before Chexy's app update on March 18, 2025.Click "Credit Builder" in the main navigation.
Review and confirm the details.
Upload your lease (if we don't already have it).
Once uploaded, click "Activate." Your rent payments will now be reported to Equifax, helping you build your credit.
Important Notes:
If you cancel Credit Builder, you cannot reactivate it at the same address again.
You can only have one active rent address reporting to Equifax at a time.
What happens if I move while using Credit Builder?
Rent payments are reported to Equifax based on the address associated with your account. If you move:
Before updating your address: Payments will be reported under your old address.
After updating your address: All future payments will be reported under your new address.
Important: Once Credit Builder is removed from an address, it cannot be re-added for that same address.
Moving Credit Builder to a new address: This is a new enrollment. Legacy access stays with the original active subscription only, so adding Credit Builder to the new payment requires Chexy Plus.
Cancel Credit Builder at your old address. Click "Credit Builder" in the main navigation, then select "Cancel Credit Builder." Your history will be removed from Chexy but will remain in your Equifax profile.
Set up recurring rent payments at your new address. Make sure to select "Rent" as the category.
Once your new rent payments are active, go to "Credit Builder" in the main navigation and activate rent reporting at your new address. You'll need an active Chexy Plus membership to do this — it is not covered by legacy access.
Can I update my rent amount or due date with an active Credit Builder?
Yes, you can update your rent amount or due date. You may be able to do this directly from your dashboard. If not, reach out to the Chexy support team for assistance with any changes.