Your financial life, finally counted.
Build credit with the rent you already pay — then protect your identity, monitor all 3 bureaus, and take control of your money, all in one place.
The credit system overlooked you. We don't.
Built to measure borrowing — credit cards, auto loans, mortgages. Never built to count rent, bills, or living within your means. So millions of responsible people stay credit invisible.
That is not a discipline problem. That is a measurement problem.
Americans are credit invisible or have unscorable files with the major bureaus.
Immigrants are denied a basic credit product within their first three years in America.
Of rent, utility, or remittance payments counts toward a traditional credit score by default.
Built by people who've been there.
Built by people who pay rent instead of loans, send money home instead of carrying debt, and arrive with a clean record no bureau recognizes. So we built a platform that finally counts it.
$5M identity theft coverage
The highest in this category. Not a token protection. Real coverage.
Active data removal
Privacy Protect removes your personal data from broker databases before it reaches the wrong hands.
Rent reporting that counts
Prosper Rent turns your existing rent payments into a recognized credit history. No new debt needed.
Built for the underserved specifically
Not a general financial app with a multicultural filter. Built from the ground up for immigrants, the credit invisible, and everyone the system overlooked.
Everything in one place.
Most financial platforms ask you to take on debt to prove you are responsible. Power2Prosper starts with who you already are.
Your rent payment is your largest monthly bill. The credit bureau does not see it by default.
Turn your rent into credit history.
Prosper Rent reports your eligible rent payments to your credit bureau, turning consistent on-time payments you are already making into a recognized credit history. No new debt. No credit cards. No changes to how you live. Just your existing habits, finally counted. Most members see their rent history appear on their credit report within one to two billing cycles.
Start reporting my rentImmigrants and credit-invisible people are disproportionately targeted by identity thieves — often because their personal information sits in data broker databases with no one watching it.
$5 million in coverage. Active protection, not just alerts.
Power2Prosper monitors your identity around the clock, alerts you to dark web activity and SSN exposure, and actively removes your personal data from broker databases before it reaches the wrong hands. $5 million identity theft insurance — the highest coverage in this category.
Protect my identityThe traditional credit score was not built to measure how you actually live.
A score that finally reflects your real financial behavior.
The Prosperity Score is our behavior-based intelligence layer. It measures rent consistency, bill payment rhythm, income stability, savings behavior, and subscription control. It is not a FICO score. It is an honest picture of the financially responsible person you already are.
The average person pays for subscriptions they forgot about. That money adds up quietly.
Keep more of what you earn.
Power2Prosper finds your recurring charges, shows you what you are actually spending, and helps you cancel anything you are not using. The money you recover is yours.
Find my subscriptionsSee your score. Know why.
The Prosperity Score is our behavior-based intelligence layer — measuring rent consistency, bill payment rhythm, income stability, savings behavior, subscription control, and identity safety. An honest picture of the financially responsible person you already are.
Prosperity Score™ is not a FICO score. It is a Power2Prosper intelligence layer designed to help users understand and build responsible financial behavior.
Three steps. No debt required.
Sign up in minutes.
Create your account, verify your identity, and see your full credit score and the factors affecting it — immediately.
Connect your rent.
Enroll your rent so the payments you already make start counting toward your credit history.
Watch it build.
Your rent history typically appears on your credit report within one to two billing cycles. Track your score month by month and get alerts when anything changes.
You do not need to take on debt or change how you live. You just need a system that finally counts what you are already doing.
Simple plans. One job: your financial life, finally counted.
Every plan shows you your full credit score and the factors affecting it — from the moment you register. Cancel anytime. No contract. Prices plus applicable sales tax.
Your rent starts building your credit.
- 1 Bureau Credit Report & Score
- Score Insights
- Debt Analysis
- Score Tracker
- Credit Alerts
- Build Credit Rent
- Identity Protection
- $5M Insurance & Restoration
- Subscription Manager
- Privacy Protect
Build your credit while we watch all three bureaus.
- 1 Bureau Credit Report & Score
- Score Insights
- Debt Analysis
- Score Tracker
- Credit Alerts
- Build Credit Rent
- Identity Protection
- $5M Insurance & Restoration
- Subscription Manager
- Privacy Protect
Complete protection for your whole financial life.
- 3 Bureau Credit Report & Score
- Score Insights
- Debt Analysis
- Score Tracker
- Credit Alerts
- Build Credit Rent
- Identity Protection
- $5M Insurance & Restoration
- Subscription Manager
- Privacy Protect
Not sure? Most people start with Starter and upgrade later. You can change plans anytime.
From invisible to undeniable.
The system you have today
No credit score despite years of on-time payments. Personal data exposed in broker databases. Loan rejections. Higher deposits. A system that treats your discipline like it never happened.
The system you deserve
A credit history built from behavior you already have. Identity protected with $5 million in coverage. A financial footprint that reflects who you actually are. Access to loans, housing, and opportunities you have already earned. A system that finally sees you.
You work hard. You pay on time. You manage your money carefully. It is time the system counted it.
Built with the communities traditional finance overlooked.
If you have been financially responsible and financially invisible at the same time, Power2Prosper was built for you.
Answered straight.
From the moment you register you see your full credit report, your score, and the exact factors affecting it — no waiting period. Every plan also reports your rent to the credit bureau each month and tracks your score over time.
We report your monthly rent payments to the credit bureaus as credit history, so the largest bill you already pay starts working for your score. You set it up once and reporting continues automatically every month.
No. Checking your own score and reporting your rent are not hard inquiries, so signing up never lowers your credit. Rent reporting is built to add positive payment history over time.
Free apps mostly show you a score. Power 2 Prosper actively builds it — reporting your rent, monitoring all three bureaus, and protecting your identity with up to $5 million in coverage. You're paying to change your credit, not just watch it.
Premium ($19.99/mo) adds three-bureau monitoring alerts and up to $5 million in identity-theft protection on top of Starter. Elite ($29.99/mo) adds full three-bureau reports and scores every month, a subscription manager, quarterly data-broker removal, and account linking for your whole financial picture.
Yes. There's no contract and no lock-in — cancel anytime from your account. Prices are shown plus applicable sales tax.
Yes. Your data is encrypted and never sold. On higher tiers we also remove your personal information from data-broker databases every quarter to shrink your exposure.
Included on Premium and Elite, it provides up to $5 million in identity-theft insurance to help cover losses and recovery costs if your identity is stolen, alongside monitoring that alerts you the moment something changes.
You have already done the hard part.
Your rent is already paid. Your bills are already on time. Start getting credit for it — today.
Get started — from $9.99/moSee your full credit score the moment you register. Cancel anytime.