Connect your bank. Teenth writes your record from what is already there. Share it with your Circle, a landlord, or a lender — on your terms, one person at a time.
Through Plaid. We never see your password, and we cannot move a dollar in or out.
Your recurring obligations are detected automatically. Your Score computes weekly, and every point is explained.
A reliability document you generate and hand over yourself — to your Circle, a landlord, an employer. Nobody can pull it without you.
There is no secret model. If your Score moves, the app tells you which of these moved it.
On-time payments
Dollar-weighted — rent counts more than a streaming bill, structurally, not by category rulebook.
Savings growth
Behavior, not account structure. Any account type counts.
Spending rhythm
Consistency, not frugality. Stability is the signal.
Income steadiness
Gig, cash, and informal income count as real income.
Community
Verified attestations from people who know you.
Flag a payment late before its due date and the first two each year carry no penalty. Communication is scored as reliability. No credit system on earth does this.
The scale runs A to C−. Below that the app shows Building — the grid filling in, no letter at all. Someone early in their record has not failed anything.
When someone helps you, the money goes to the obligation itself — the phone bill, the rent shortfall — so it can be verified and counted. This is the accountability that instant transfers removed.
Pay at Your Pace · Split Pay
Bill payment, savings behavior, and income — most of it currently invisible to the credit system — become documented, visible, and presentable to landlords, lenders, and employers.
The Teenth Score
Support and vouching are named, documented, and made to count — because recovering from a hard month has always depended on the people behind you.
The Circle
A record is only a structural fix if somebody will honor it. Teenth recruits landlords, lenders, employers, and insurers willing to extend access, pricing, or opportunity on documented reliability rather than a FICO number.
Service Allies
Supporter Memberships fund a Milestone Reward pool. When a Signer reaches a verified milestone — accounts connected, an on-time streak sustained, a threshold of Circle attestations — a real bonus is released and applied directly toward a bill.
Not charity. A funded, structural reward for demonstrated reliability. The Signer who benefits today is the Foundation who funds someone else’s reward tomorrow.
Fund a milestoneConnect a bank, and the record writes itself from what is already there.
Teenth is in pre-launch. The Teenth Score and bill payment arrive in the next release — today you build the record they read. Never sold. Never sent to a credit bureau.