Sibb Credit

Sibb is a private credit app for families and the people you actually trust.

Connect your real credit report, then decide — person by person — how much of it anyone can see. Everything, just the direction you're heading, or nothing at all. You can change your mind at any time, and nobody else can change it for you.

WHY SIBB Credit is a family subject. A parent adds a child as an authorized user. A couple shares a card. Someone co-signs. But every credit app is built for one person alone, which leaves families guessing.

Sibb is built for the way credit actually works between people who trust each other.

THREE LEVELS OF SHARING • Full view — your score, accounts and history • Score only — a range and a direction, never the exact number • Private — nothing at all Everyone joins a circle private by default. Sharing is something you turn on, never something you inherit.

WHAT YOU GET • Your real credit report and score from Equifax • A soft pull, so checking never affects your score • Every account on your file, with issuer logos and full payment history • Score history over time, side by side with your circle • Shared accounts detected automatically when the same account appears on two people's reports • Clear labels when the bureau did not report who owns an account, so nothing is assumed about you

PRIVACY IS THE ARCHITECTURE Sharing rules live in the database, not in what a screen happens to hide. Your Social Security number is used once to verify you with the bureau, then discarded — it is never stored on your phone. Leaving a circle or withdrawing consent revokes access immediately, in both directions. You can delete your account, and everything with it, from inside the app.

THE NAME Sibb is Old English. It meant kinship and it meant peace — the same word for both. A thousand years ago, being someone's family and being at peace with them were not separate ideas. That is the version of family money we wanted to build for.

Sibb is not a lender, not a credit repair service, and not financial advice. Credit data is provided by Equifax through Array. Requires iOS 18 and a United States address with a Social Security number or ITIN.