Built From Experience.
Designed For Growth.
Cheers was founded by people who lived the problem. Ken Lian came to the United States with no credit history. Like many immigrants, he was financially responsible — but invisible to the system. Over 15 years, he studied how U.S. credit truly works and rebuilt from zero to an 840 credit score. In 2024, that strong profile allowed him to lease a car with zero down payment and a low monthly cost — saving nearly $8,000 compared to someone with a score below 650. Credit isn’t just a number. It determines what you pay, what you qualify for, and how quickly you can move forward.
Co-founder Qing experienced the system from another angle. After identity fraud caused severe damage to her credit, her score dropped to 300. She had to rebuild everything from the ground up. The process was stressful, confusing, and deeply personal. Climbing back to prime status took time, discipline, and knowledge that isn’t easily accessible to most people. No one should have to figure it out alone. That’s why we built Cheers.We’re proud to be a minority-owned, female-founder-led startup committed to fairness, transparency, and long-term trust. Zhen leads partnerships and compliance, ensuring we operate responsibly and safeguard every user. We work with Sunrise Banks N.A., Member FDIC, to provide FDIC-insured protection — because financial trust is non-negotiable. The U.S. credit system isn’t designed to be beginner-friendly, especially for immigrants. We’re here to make it clearer, fairer, and easier to navigate. Everyone deserves a fair chance at the American Dream — and good credit helps make that possible.
