You’ve always paid on time. Now it counts.
Years of never missing a hand, and none of it on your credit file. Keepaa reports your circle payments to credit bureaus.
Reported this year · example
- January: nothing to report
- February: nothing to report
- March: reported, paid on time
- April: reported, paid on time
- May: reported, paid on time
- June: reported, paid on time
- July: reported, paid on time
- August: reported, paid on time
- September: reported, paid on time
- October: reported, paid on time
- November: reported, paid on time
- December: nothing to report
You pay into your circle
Exactly as you would anyway. There is no loan, no interest and no extra product to buy.
Keepaa reports it
Each payment, its due date and whether it was on time goes to credit bureaus.
Your file fills in
Lenders who check those bureaus see a record of your payments.
The honest version
Credit building works in both directions, and nobody can promise you a score.
- Late payments are reported too. A missed payment can lower your score. Direct Debit and a backup card are there to stop that happening by accident.
- We do not promise a number. Scores depend on your whole file and on each lender. Keepaa adds a record of payments; it does not set your score.
- Only circles are reported. Personal goals, your chat and what you do with your pot are never shared.