Everyday debit. Reported to Experian.
Give your customers a way to build credit history with the debit card they already use. Omniwire reports the account to Experian every month, with the disclosures wired in.
- Sep 02Grocer64.18
- Sep 05Transit pass38.00
- Sep 09Phone bill · autopay45.00
- Sep 14Pharmacy12.40
- Sep 19Grocer71.92
- Sep 23Streaming10.99
- Sep 28Fuel · just now41.25
- ••4821 · [Name]On time
- ••1932On time
- ••7710On time
- ••3068On time
- ••5519On time
- ••8843On time
- Credit BuilderAdded
- BureauExperian
- Report date1st of each month
- EnrollmentOpt-in in app
- Reporting consentAt opt-in
- Eligible cardsOmniwire debit card
Everyday card spending. No new line of credit to apply for. [Confirm mechanics]
Month-end preview · reports Oct 1
- Account
- Credit Builder ••4821
- Activity this month
- $283.74
- Payment status
- On time
- Reported to
- Experian
- Oct: on time
- Nov: on time
- Dec: on time
- Jan: on time
- Feb: on time
- Mar: on time
- Apr: on time
- May: on time
- Jun: on time
- Jul: on time
- Aug: on time
- Sep: reporting
- Bureau
- Experian
- Report date
- 1st of each month
- Format
- Metro 2
Enrolled cardholders
1,284
- Enrollment
- Opt-in in app
- Next file
- Oct 1 · 1,284 accounts
No score promises anywhere in the app. Reporting builds history; results vary.
[Metro 2, opt-in flow and counts to confirm]
Try it: add a purchase, then press Run month-end to watch it report.
F for full screen · Esc to exit
How it works· Once a month
Swipe. Report. Build history.
Nothing new for your customers to learn. They use their debit card; Omniwire handles the bureau file every month.
All month
They use their debit card
Groceries, transit, the phone bill. Spending that already happens counts toward the account's activity.
1st of the month
Omniwire reports to Experian
The account and its payment status go to the bureau on a fixed monthly file. You don't build or send anything.
Month after month
History builds on their file
Each on-time month adds to their credit history. Results vary, and the app never promises a score.
Who it's for· The credit invisible
Millions of Americans have little or no credit file.
Many of them already bank with someone like you. Credit Builder turns the card in their pocket into a reason to stay.
Add it· Works with the neobank Studio
It's one switch in the Studio.
Running a white-label neobank on Omniwire? Add Credit Builder from the feature rail and it shows up in your app, with its terms and bureau reporting already wired.
Grow
Next report to Experian around Oct 1
Credit Builder added
Credit Builder is off. Switch it on in the rail.
Questions· Before you build
What program teams ask first.
Does Credit Builder guarantee a better score?
No. It reports account history to Experian each month. How that affects a person's credit depends on their whole file, so the app and your marketing never promise a score change.
Which bureaus do you report to?
Experian, on a monthly Metro 2 file sent on the 1st of each month. [Confirm whether other bureaus are planned]
Do customers have to opt in?
Yes. Cardholders opt in inside your app, and reporting consent is captured at opt-in alongside the Credit Builder terms. [Confirm opt-in flow]
Can we add it to an existing card program?
If you run a white-label neobank on Omniwire, it is one switch in the Studio. For other card programs, book a program review. [Confirm eligibility for existing programs]
Who handles disputes with the bureau?
[Answer pending: dispute handling and who responds to bureau disputes]
- Card spendEveryday purchases
- Bill payPhone, streaming, utilities
- On-time monthsPayment status
Omniwire · next file Oct 1 · 1,284 accounts
Start· End of the wire
Every swipe, on the record.
Reporting via Experian · Debit card · SOC 2
Credit Builder does not guarantee any change to a credit score.