We’ve spent over a decade at LV Collective building and operating student housing communities across the country. We know what life looks like for students before, during, and after college — and one thing has always bothered us.
When students graduate, they leave campus with a degree in hand and a job offer lined up… but they also walk into the real world with no credit history.
That’s when it hurts.
When you’re done with school and ready to get your first apartment, buy your first car, or even qualify for a credit card — you realize that responsibility in college doesn’t automatically translate into a financial foundation. You did everything right, but you still start from zero.
College prepares you academically — not financially.
You spend four years learning how to think, study, and work, but almost nothing on how to build credit, which quietly determines what kind of life you can live after graduation.
Landlords, banks, and lenders don’t care that you paid rent on time every month in college — not unless those payments are reported. And that’s where UpCredit comes in.
UpCredit was built to change that story.
As a wholly-owned subsidiary of LV Collective, we understand student renters and the housing industry from the inside out. Every month that you pay rent through your property management account, UpCredit reports it directly to the credit bureaus — safely and securely.
You’re already spending money on rent.
You’re already proving responsibility.
You deserve to get credit for it.
UpCredit turns your rent payments into credit history — so that when graduation comes, you’re ready not just with your degree, but with the financial foundation to go with it.
College builds your education.
UpCredit builds your credit.
It’s the missing half of the college experience — helping you leave campus ready for the real world. When you step into your next chapter, you shouldn’t be starting from zero. You should be ready — for the car, the home, the card, and the confidence that come with strong credit.
UpCredit was built by the same people who have spent years housing students and learning what they need most.
We’re not an outside fintech company — we’re part of the same system that already supports you.
UpCredit by LV Collective
College builds your education. We help build your credit.
