Build credit history in the U.S.
As you send money to your family, we help you access better opportunities.
Send money and improve your credit history
Félix Pago is a service for sending money to Mexico, Guatemala and Honduras with which you can contribute to your credit history with every transaction you make without having to access traditional credit.
Improve your track record1. Sign up
Sign up for the program by making your first submission through our WhatsApp
2. Send
Send money to your family in Mexico, Guatemala, Honduras, the Dominican Republic and El Salvador
3. Ready!
Monitor your score at any time directly from your Whatsapp
FAQs
Felix, in partnership with Upwardli, will create a line of credit in your name and will structure your remittance transactions in such a way that every transaction you make counts against your credit history. The way you send remittances doesn't change, it just changes how we handle and communicate your remittances to credit bureaus.
Type “Credit Builder” (with tilde and capital letters) in Félix Pago's chat and you will receive the registration link.
Upwardli, in partnership with Cross River Bank, is our financial ally that helps companies to quickly and securely offer financial products in the U.S. UU.
1. Be 18 years of age or older and physically reside in the U.S. UU. (PO Boxes are not accepted).
2. Have a valid email address and phone number.
3. Have a valid, government-issued identification document.
4. Have a valid Social Security Number (SSN) or ITIN.
5. If you're using an ITIN, you'll also need to submit:
- Permanent labor certification with application or authorization from USCIS.
- Employment Authorization Document (EAD).
- VISA to work or study in the U.S. UU.
- Form I-765
To start seeing changes, you need to make at least two transactions a month for 3 months.
Remember that your credit score is a combination of several factors. Don't forget to pay your bills on time, keep your balances low and be responsible with your credits.
Once you're registered, all your successful transactions made through Felix will be considered for your credit history.
Type “Credit Builder” (with tilde and capital letters) in the chat to check your score. If you registered recently, the link may redirect you to the registration window, as opening your account may take a few days from when you submit your information until your bank approves it.
It's a number between 300 and 850 that shows how well you manage your debts and payments. The higher your score, the easier it will be to access loans and financial services with better conditions.
Having a good credit score gives you access to better interest rates on loans, cards, and other financial services. This can save you hundreds or thousands of dollars in interest when buying products such as a car or house.
Felix, Upwardli and Cross River Bank meet high security standards to protect your data. Cross River Bank manages assets of more than $10 billion and is a member of the FDIC.
The amount doesn't matter, but the frequency does. On average, our users see an increase of more than 40 points in their score after transacting at least twice a month for 3 months.