Home Services FAQ About Contact States We Serve My Clevura Get Started →
🔒 FCRA Compliant · Metro 2 Reporting

Credit Building,
the Clevura Way

Building your credit should be simple. Clevura provides secure, smart tools to help you report your credit accurately and take control of your financial journey.

🛡️
Wyoming Licensed · FCRA Compliant Identity verified · Secure Metro 2 reporting
Plans Starting At
$14.99/mo
No credit score minimum required
Reporting To
Experian
More bureaus being added
Account Type Reported
Installment
Payment history reported monthly · Metro 2 format
Simple Process

How Clevura Works

Four straightforward steps to start building your credit history with Clevura's secure reporting platform.

1

Sign Up & Verify

Create your account and complete our secure identity verification. Takes just a few minutes.

2

Choose Your Plan

Select the credit reporting plan that fits your goals — Starter, Builder, or Accelerator. Pay a simple monthly fee, no credit score minimum required.

3

We Report Monthly

Clevura reports your structured installment account to Experian in Metro 2 format every month.

4

Build Your History

Your on-time payment history builds over time, contributing to your credit profile and score.

Why Clevura

Built for Compliance.
Built for You.

Clevura is designed from the ground up to meet the highest standards of consumer protection and credit reporting accuracy.

📋

FCRA Compliant

We operate as a licensed data furnisher under the Fair Credit Reporting Act. Your data is reported accurately and responsibly.

🔐

Identity Verified

Every account undergoes KYC identity verification and OFAC screening before activation. No exceptions.

📊

Metro 2 Format

We transmit data using the industry-standard Metro 2 format — the same standard used by major lenders and financial institutions.

🚫

Not Credit Repair

We are transparent: Clevura is not a credit repair organization. We build positive payment history, not dispute old negatives.

🏦

Wyoming Licensed

Clevura LLC is a Wyoming-registered company operating under applicable state and federal consumer protection laws.

📱

Simple & Transparent

No hidden fees. No confusing terms. Clear pricing, clear service description, and full disclosure before you enroll.

Currently Available in Wyoming

Clevura's credit-builder subscription service is currently live for Wyoming residents. We're actively expanding to additional states — join the waitlist to be notified when we launch in your state.

✓ Wyoming — Active Illinois — Coming Soon More States Coming
Our Services

Two Ways to Build

Clevura offers a subscription-based credit reporting service and, for Wyoming residents, a licensed installment loan product.

✓ Available Now

Credit-Builder
Subscription

A paid subscription reporting service — not a loan. No funds are disbursed to you. Clevura reports a structured installment account to Experian each month based on your actual subscription payments. The dollar amount shown on each plan reflects the size of the account we report on your behalf — think of it as the "credit limit" of the installment account in your credit file.

Starter Plan
$500 installment account reported to Experian
$14.99/mo
Builder Plan
$1,000 installment account reported to Experian
$24.99/mo
Accelerator Plan
$2,500 installment account reported to Experian
$39.99/mo
💡 Prepaid options available: 3-month plans save you approximately $15. The reported account amount ($500, $1,000, or $2,500) reflects the size of the installment account Clevura reports on your behalf — not funds you receive. All fees disclosed before enrollment. No credit score minimum required.
Wyoming Residents Only

Wyoming
Installment Loan

A licensed consumer installment loan product offered exclusively to qualifying Wyoming residents under Clevura's Wyoming Consumer Lender License. This involves actual disbursement of loan funds governed by Wyoming UCCC.

📍 Wyoming Only: This product is currently available exclusively to Wyoming residents. We are actively obtaining licenses for additional states. Expansion announcements coming soon.
⚙️ Loan Details: Amounts of $5,000–$10,000 · Terms of 12–24 months · Full TILA disclosures before signing · Identity verification required · Ability-to-repay assessment

Wyoming resident? Express interest and we'll reach out when fully launched:

The Process

How the Credit-Builder Works

Understanding exactly what happens when you enroll with Clevura.

1

Apply & Verify Identity

Complete your application and pass our KYC identity verification. We screen every applicant against OFAC sanctions lists — no exceptions.

2

Sign Your Agreement

Review and e-sign your service agreement and E-Sign Consent. All documents delivered electronically. No printing required.

3

Payment Processed

Your monthly subscription fee is charged. This is the actual payment we report — real payment history, not simulated activity.

4

Reported to Experian

We transmit your account data to Experian in Metro 2 format every month. Your payment history builds over time.

Not in Wyoming?

The credit-builder subscription service will be available in additional states soon. Join our waitlist and we'll notify you the moment Clevura launches in your state.

FAQ

Common Questions

Everything you need to know about Clevura's services, compliance, and how credit building works.

Is this a loan?
+

No. The Clevura Credit-Builder Subscription Service is not a loan. No funds are disbursed to you. You are paying a monthly subscription fee in exchange for Clevura reporting a structured installment account to Experian on your behalf. This is a paid credit reporting service — not a credit product or extension of credit. The Wyoming Installment Loan product is a separate offering available only to Wyoming residents, and it does involve the actual disbursement of loan funds.

Will my credit score definitely go up?
+

Clevura does not guarantee any specific improvement to your credit score. Credit score outcomes depend on many factors outside of our control, including your existing credit profile, your payment behavior on all accounts, and the scoring models and policies used by individual credit bureaus. Consistent, on-time payments on your Clevura account contribute positively to your payment history over time, but results will vary by individual.

What bureaus do you report to?
+

Clevura currently reports to Experian. We are actively working to add Equifax and TransUnion as approved data furnishers. We'll notify waitlist members and existing customers as additional bureaus are added. All reporting uses the industry-standard Metro 2 format.

Is Clevura a credit repair company?
+

No. Clevura LLC is not a credit repair organization as defined under the federal Credit Repair Organizations Act (CROA) or any applicable state law. We do not dispute negative items on your credit report, negotiate with creditors, or provide debt settlement services. Our service is limited to reporting your positive payment activity on your subscription account to participating credit bureaus. We cannot and do not promise to remove negative information from your credit report.

What states is Clevura available in?
+

The Credit-Builder Subscription Service is currently available to Wyoming residents. The Wyoming Installment Loan product is also Wyoming-only at this time. We are actively expanding to additional states and will notify waitlist members as new states become available. Join our waitlist and select your state — we'll reach out the moment Clevura launches where you live.

How does identity verification work?
+

Every Clevura applicant must complete identity verification through our automated KYC (Know Your Customer) platform before their account is activated. This includes providing a government-issued photo ID, completing a liveness check, and having your information screened against OFAC sanctions lists. No account is activated without completed KYC and OFAC screening. This is required by law and helps protect all consumers in our network.

What happens if I miss a payment?
+

If a payment fails, we'll attempt to notify you and retry the payment. If the payment cannot be collected, we are required by law to accurately report your account status — which may include reporting a missed payment to Experian. Accurate reporting — both positive and negative — is a legal requirement under the FCRA. We encourage you to keep your payment method current and to contact us immediately if you anticipate payment difficulties.

How do I cancel my subscription?
+

You can cancel your Credit-Builder Subscription at any time by contacting us at support@clevura.com. Cancellation will stop future billing. Reporting will cease for the monthly cycle following your confirmed cancellation. Prepaid plans are non-refundable once the reporting period has begun. Monthly plans do not have a cancellation fee.

Is my personal information secure?
+

Yes. Clevura maintains enterprise-grade security controls including AES-256 encryption for data at rest, TLS 1.2+ for all data in transit, multi-factor authentication for all internal systems, and role-based access control. We comply with the Gramm-Leach-Bliley Act (GLBA) Safeguards Rule and maintain a formal Data Breach Response Plan. We do not sell your personal information to third parties. See our Privacy Policy for complete details.

What if I disagree with information Clevura reported?
+

You have the right to dispute information we reported under the Fair Credit Reporting Act (FCRA). To submit a dispute, contact us in writing at compliance@clevura.com. We will acknowledge your dispute within 5 business days and complete our investigation within 30 days (or 45 days if you provide additional information). If we find the information to be inaccurate, we will correct our records and notify Experian promptly. You can also dispute directly with Experian.

Do I need a minimum credit score to sign up?
+

For the Credit-Builder Subscription Service, there is no minimum credit score requirement. We perform a soft credit inquiry for identity validation and fraud prevention purposes only — this does not affect your credit score. The Wyoming Installment Loan product does require a credit review as part of the underwriting process, including income verification and a debt-to-income assessment.

Still have questions? We're happy to help.

About Clevura

Our Mission

Building financial access through transparent, compliant credit reporting tools.

Clevura LLC · Wyoming Registered
FCRA Data Furnisher

Metro 2
Reporting Format
FCRA
Compliant
KYC
ID Verified
OFAC
Screened
Who We Are

Credit Access
for Everyone

Clevura LLC was founded with a clear belief: access to credit-building tools should not require existing wealth or connections. Millions of Americans are locked out of financial products simply because they lack the credit history to qualify — a frustrating catch-22 that Clevura is designed to solve.

We are a Wyoming-registered company operating as a licensed data furnisher under the Fair Credit Reporting Act. Our platform reports structured installment accounts to major credit bureaus using the industry-standard Metro 2 format, giving consumers a legitimate, transparent path to building positive payment history.

Clevura is not a credit repair organization. We do not dispute old negatives or make promises about specific score outcomes. We do something simpler and more honest: we give you a real account, report your real payments, and let your payment history speak for itself.

✓ Transparent pricing — no hidden fees, ever
✓ Every account identity-verified and OFAC-screened
✓ Metro 2 compliant reporting to major bureaus
✓ FCRA dispute rights honored — always
✓ Wyoming licensed · Expanding nationally
Our Address

Clevura LLC · 30 N Gould St Ste N · Sheridan, WY 82801 USA

Contact

Get in Touch

Have a question, dispute, or just want to learn more? We're here to help.

We'd Love to Hear From You

Whether you have a question about our services, want to report a dispute, or need to update your account information — reach out. We aim to respond within 1–2 business days.

📧

General Support

support@clevura.com

⚖️

Compliance & Disputes

compliance@clevura.com

🔒

Privacy Inquiries

privacy@clevura.com

📍

Mailing Address

30 N Gould St Ste N
Sheridan, WY 82801 USA

⚖️ To submit an FCRA dispute: Email compliance@clevura.com with your full name, account information, and a description of the information you believe is inaccurate. We will acknowledge within 5 business days and resolve within 30 days.

Send a Message

✓

You're on the list!

We'll notify you the moment Clevura launches in your state. Thank you for your interest in building your credit the Clevura way.

Early Access

Join the Clevura Waitlist

Be the first to know when Clevura launches in your state. No credit card required — just your name, email, and where you live.

By joining, you agree to our Privacy Policy. We'll only contact you about Clevura updates. No spam, ever.

Availability

States We Serve

Clevura is actively expanding. See where we're live and where we're coming next.

Currently Active

Where We're Live

🏔️

Wyoming

Credit-Builder Subscription + Installment Loan

✓ Active
Expansion Pipeline

Coming Soon

We're working through the licensing and registration process for these states. Join the waitlist to be first notified.

🌆

Illinois

Credit-Builder Service · CSO Registration in progress

🌵

Texas

Credit-Builder Service · Coming soon

🌴

Florida

Credit-Builder Service · Coming soon

🍑

Georgia

Credit-Builder Service · Coming soon

🌲

More States

We're expanding nationally. Join the waitlist for your state.

Don't See Your State?

Join our waitlist and select your state. We'll notify you the moment Clevura becomes available where you live. Your demand helps us prioritize which states we pursue next.

🚀 Coming Soon

My Clevura
Member Portal

Your personal Clevura dashboard is in development. Once launched, you'll be able to track your account, view reporting history, manage your subscription, and monitor your credit journey — all in one place.

📊 Credit score tracking
📋 Payment history log
💳 Subscription management
⚖️ Dispute center
📄 Document center
🔔 Account alerts
Legal

Privacy Policy

Effective Date: August 25, 2025 · Last Updated: [DATE]

Clevura LLC ("Clevura," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your information through our website at www.clevura.com and our services.

1. Information We Collect

We may collect: Personal identifiers (name, address, phone, email, DOB, SSN/ITIN); Financial information (bank details, credit history, payment history); Government-issued IDs (for KYC verification); and Technical information (IP address, browser type, usage data).

2. How We Use Your Information

We use your information to provide our services, verify your identity (KYC/OFAC), furnish account data to credit bureaus (Experian) in Metro 2 format under the FCRA, process payments, send required notices, prevent fraud, and comply with applicable law including FCRA, GLBA, and Wyoming UCCC.

3. Credit Bureau Reporting

By enrolling, you authorize Clevura to report your account activity to credit reporting agencies in Metro 2 format monthly. For the Credit-Builder Service, we report a structured installment account based on your actual subscription payments. No funds are disbursed. For the Wyoming Loan product, we report your loan account per FCRA requirements.

4. How We Share Your Information

We share information with: Experian (and additional bureaus as approved) for reporting; KYC/IDV providers for identity verification; payment processors; vendors bound by Data Protection Agreements; and government agencies as required by law. We do not sell your personal information to third parties.

5. Your Rights

You have the right to access, correct, or delete your personal data; opt out of certain uses; and dispute inaccurate credit information we reported (FCRA dispute rights). Contact us at privacy@clevura.com to exercise these rights.

6. Data Security

We maintain AES-256 encryption at rest, TLS 1.2+ in transit, multi-factor authentication, role-based access control, annual penetration testing, and a formal Data Breach Response Plan compliant with GLBA Safeguards Rule.

7. Data Retention

  • Credit reporting records: 7 years from account closure (FCRA)
  • Loan underwriting records: 25 months minimum (FCRA)
  • KYC/IDV records: 5 years after account closure (BSA/AML)

8. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect information from minors.

9. Changes to This Policy

We may update this Policy. Changes will be posted on this page with an updated date. Continued use of our services constitutes acceptance.

Contact for Privacy Matters:

Clevura LLC · 30 N Gould St Ste N · Sheridan, WY 82801 USA

Email: privacy@clevura.com

Legal

Terms of Service

Effective Date: [DATE] · Last Updated: [DATE]

Welcome to Clevura LLC. By using our website at www.clevura.com or our services, you agree to these Terms of Service. Please read them carefully.

1. Our Services

Credit-Builder Subscription Service: A subscription-based credit reporting service — not a loan. No funds are disbursed. Available in select states. Clevura reports a structured installment account to Experian based on your actual monthly payments.

Wyoming Installment Loan: A licensed consumer installment loan available exclusively to Wyoming residents under our Wyoming Consumer Lender License. Involves actual disbursement of loan funds governed by Wyoming UCCC.

2. Eligibility

  • Must be 18 years or older
  • Must be a U.S. resident in an eligible state
  • Must complete KYC identity verification and OFAC screening
  • Must have a valid payment method on file

3. Pricing — Credit-Builder Subscription

  • Starter Plan (reports $500 installment account): $14.99/month or $89.99 prepaid (3 months)
  • Builder Plan (reports $1,000 installment account): $24.99/month or $149.99 prepaid (3 months)
  • Accelerator Plan (reports $2,500 installment account): $39.99/month or $224.99 prepaid (3 months)

The reported account amount reflects the size of the installment account Clevura reports to Experian on your behalf — not funds you receive. All fees are disclosed prior to enrollment. Prepaid plans are non-refundable.

4. No Guarantee of Credit Improvement

Clevura does not guarantee any specific improvement to your credit score. Results depend on your individual credit profile and are outside of our control.

5. Not a Credit Repair Organization

Clevura is NOT a credit repair organization under CROA. We do not dispute negative items, negotiate with creditors, or provide debt settlement services.

6. Dispute Resolution — Credit Reporting

To dispute information we reported, contact compliance@clevura.com in writing. We will acknowledge within 5 business days and resolve within 30 days (or 45 days with additional information).

7. Cancellation

You may cancel your subscription at any time by contacting support@clevura.com. Reporting ceases the following monthly cycle. No partial-month refunds.

8. Limitation of Liability

Clevura's total liability is limited to the amount you paid us in the prior 12 months. We are not liable for indirect, incidental, or consequential damages.

9. Governing Law

These Terms are governed by Wyoming law. Wyoming courts have jurisdiction for the installment loan product.

Contact:

Clevura LLC · 30 N Gould St Ste N · Sheridan, WY 82801

Email: support@clevura.com · Compliance: compliance@clevura.com

Legal

Website Disclaimer

Last Updated: [DATE]

The information provided on www.clevura.com is for general informational purposes only. Clevura LLC makes no representation or warranty of any kind regarding the accuracy, adequacy, or completeness of any information on this site.

Not Professional Advice

Nothing on this site constitutes legal, financial, tax, credit, or investment advice. Consult a qualified professional before making financial decisions.

Two Distinct Services

Credit-Builder Subscription: A paid reporting service — not a loan. No funds disbursed. Available in select states.

Wyoming Installment Loan: A licensed loan product for Wyoming residents only involving actual disbursement of funds.

No Guarantee of Credit Score Improvement

Clevura does not guarantee credit score improvements. Results depend on your existing credit profile, payment behavior, and bureau scoring models. Individual results will vary.

Not a Credit Repair Organization

Clevura LLC is NOT a credit repair organization under CROA. We do not dispute negative items, negotiate with creditors, or provide debt settlement services.

Geographic Limitations

Services are not available in all states. Wyoming Installment Loan is Wyoming-only. Credit-Builder service is expanding — check our States page for current availability.

Limitation of Liability

Clevura LLC and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from use of this site or our services, to the fullest extent permitted by law.

Contact:

Clevura LLC · 30 N Gould St Ste N · Sheridan, WY 82801

Email: support@clevura.com

Legal

Cookie Policy

Effective Date: [DATE] · Last Updated: [DATE]

This Cookie Policy explains how Clevura LLC uses cookies and similar tracking technologies when you visit www.clevura.com.

What Are Cookies?

Cookies are small text files placed on your device by your web browser. They help websites function efficiently, remember your preferences, and provide usage information to site owners.

Types of Cookies We Use

  • Strictly Necessary: Essential for core site functionality (authentication, security). Cannot be disabled.
  • Performance / Analytics: Collect anonymous data to help us improve the site (e.g., Google Analytics). Opt-out available.
  • Functional: Remember your preferences and settings. Opt-out available via browser settings.
  • Targeting / Marketing: Deliver relevant advertising. Opt-out available via browser settings or NAI/DAA tools.

Financial Services Note

As a GLBA and FCRA-regulated company, we never collect Sensitive Personal Information (SSNs, financial account numbers) through cookies. Such information is collected only through secured, encrypted forms.

Your Controls

You may manage cookies through your browser settings (Chrome: Settings → Privacy → Cookies; Firefox: Settings → Privacy & Security; Safari: Preferences → Privacy). You may also opt out via Google Analytics opt-out add-on, the NAI opt-out tool at optout.networkadvertising.org, or the DAA opt-out at optout.aboutads.info.

California Residents (CCPA)

California residents may request to know what cookie data we hold and request deletion. We do not sell personal information collected through cookies. Contact compliance@clevura.com to exercise CCPA rights.

Changes

We may update this Policy. Changes will be posted with an updated date. Continued use of the site constitutes acceptance.

Contact:

Clevura LLC · 30 N Gould St Ste N · Sheridan, WY 82801

Email: compliance@clevura.com

Legal

E-Sign Consent

Electronic Communications Disclosure and Consent · Effective Date: [DATE]

By clicking "I Agree" or continuing to use our services, you consent to receive all communications electronically and confirm you have the hardware and software required to do so.

Scope of Consent

Your consent covers all communications related to Clevura's services including: enrollment agreements, TILA disclosures (Wyoming loan applicants), FCRA notices, account statements, payment confirmations, adverse action notices, policy updates, and any legally required disclosures.

Delivery Methods

  • Email to the address you provide at enrollment
  • Secure account portal at www.clevura.com
  • In-app notifications (if applicable)
  • Downloadable PDF documents

Hardware & Software Requirements

  • Device with internet access (computer, phone, or tablet)
  • Current version of Chrome, Firefox, Safari, or Edge
  • Active email account you check regularly
  • PDF reader (e.g., Adobe Acrobat Reader)

Right to Paper Copies

You may request paper copies of any communication at any time by contacting support@clevura.com. A processing fee may apply unless prohibited by law.

Withdrawing Consent

You may withdraw consent by emailing support@clevura.com with subject "E-Sign Consent Withdrawal." Withdrawal may result in suspension of your online account as electronic delivery is required for our services to function. All communications delivered before withdrawal remain valid.

Legal Effect

Electronic communications and electronic signatures have the same legal force as handwritten signatures and paper documents under the E-SIGN Act (15 U.S.C. § 7001) and Wyoming UETA (W.S. 40-21-101).

Contact:

Clevura LLC · 30 N Gould St Ste N · Sheridan, WY 82801

Email: support@clevura.com