Let them take all the credit and none of the debt.
Acru is leading the charge with the first of it's kind family credit-building app designed for young adults seeking financial freedom and the parents helping them get there.
Eighteen years of being responsible.
Zero years of proof.
A blank credit file is all a lender sees. This means your child could pay double the security deposit, double the interest rate, just to possibly get turned down anyway.
All because they're just credit-invisible. Acru fixes that.
Young adults without credit histories face interest rates twice as high as other borrowers.
Source: CFPB Consumer Credit Panel
Is the average amount parents spend to support their adult children annually.
Source: Savings.com 2025
of parents said they have sacrificed their own financial security for the sake of their kids
Source: CNBC
You see the progress.
They keep their independence.
Acru is the dual-profile app that gives your young adult the tools to build credit and gives you the insight to cheer them on. Let us give the lectures, while you watch their opportunities multiply.
Acru is your solution, all in one app!
Credit Fast TrackSM
Four ways to build credit. Zero ways to fall into debt.
- Utility Bill Reporting
- Rent Reporting
- $2,000 Acru tradeline
- Acru Card
Kai, your AI Credit Mentor
Kai answers the financial questions you'd rather not ask a parent. No jargon, no lecture. Just what to do next.
Dual Alerts
Milestones hit both phones in real time, on terms they set and can change anytime.
Additional tools for their road to financial independence
Privacy Scan
Credit Monitoring & Alerts
Dark Web Monitoring
SSN & Address Monitoring
Fraud Restoration Specialist
Parent Dashboard
They get the freedom. You get peace of mind. All in one app.
Get them ready to move from invisible to scored.
Sign Up & Share
You set up the account, they download the app and verify their identity.
Connect Acru Credit Fast TrackSM
Easily add up to 7 accounts to your kid’s report in minutes.
Celebrate Wins Together
Milestones hit both phones the moment they land. No asking, no checking in.
All-Inclusive Credit Building for Your Family
Questions?
We’ve got answers.
No. It's an app for building credit. Those are different. Money management doesn't build credit history. Payment reporting does. Acru reports their rent, utilities, and Acru subscription to the major credit bureaus. It's the same mechanism that builds credit for decades; we just make it work in the first year.
We do not report missed payments; however, Kai helps them understand the impact of missed payments outside of Acru. You can talk together about what happened. That's how they learn, not from lectures, but from understanding consequences and recovery.
Whenever they're ready. Data sharing controls are revocable anytime. Some parents stay involved as advisors. Others step back at a credit milestone. The training wheels come off whenever they choose.
All personal information is encrypted and secured per SOC 2 Type II and PCI DSS standards. You get visibility into credit-related milestones, not bank accounts, passwords, or messages. Partnership-based access, not surveillance.
Yes. No contracts, no lock-in. Cancel anytime. But the credit built stays with them, that's the whole point.
Perfect. You've come to the right place. Acru is built for exactly this. No credit required to start. We help them build from zero. Within weeks, they'll have a credit file and the foundation of a strong credit future if they fully utilize the benefits and features provided.
Yes! A parent rewards system is coming soon. This will let you recognize and reward your young adult's credit-building progress with direct payments. Stay tuned.
You taught them everything else. This is the last piece.
Set them up with the exact tools they need to be financially independent, allowing yourself to finally let go.
No credit history required to start. Cancel anytime.