For Parents
Helping your child build credit, at every age.
Whether your kid is 13 or 22, there's a path forward. Tell us where you're starting from.
My child is under 18
A free PDF guide for parents of teens. Banking, money conversations, the first paycheck, authorized-user cards, and the handoff at 18 — what to do now so your kid arrives at adulthood ready to build.
My child is 18 or older
A one-year gift subscription to BuildCreditAI Builder — the structured credit-building roadmap your young adult can use the day they turn 18, prepaid by you.
From the founder
I built two paths because parents are at two different moments.
I spent over 20 years in banking, including extensive work in Treasury Management, watching the same problem play out in family after family: a young adult arrives at 18 with no credit foundation, even though their parents have been paying their bills for years.
The fix looks different at different ages. Before 18, the most valuable thing a parent can do is a small set of steps — open the right bank account, have the right money conversations, add them as an authorized user on a well-managed card. The free PDF guide walks you through those, available with a quick email signup.
At 18 and beyond, the real lever is having a structured plan they can actually follow. The gift subscription is a year of BuildCreditAI Builder — the same step-by-step roadmap our adult members use — prepaid by you so your young adult walks into their first year of adult credit with a coach, not a Google search.
— Heather Manuel, Founder