Altro (fka Perch)

Altro, formerly known as Perch, was founded with the mission to make credit accessible to everyone, particularly those who are credit-invisible or new to credit. The company offers a mobile application that securely links to a user's bank account to identify recurring expenses like Netflix, Spotify, and rent payments. Altro then reports these on-time payments to the credit bureaus (Equifax, Experian, and TransUnion) as a tradeline, helping users establish or improve their credit scores without requiring a traditional credit card or loan.