Frequently Asked Questions

We open a credit builder account in your name and report your monthly payments to all three major credit bureaus. On-time payments build your credit history and improve your score over time.

No hard credit check is required to open your account. We do a soft pull which does not affect your credit score.

Most members see their first score improvement within 1-3 months. Significant improvements typically happen within 6-12 months of consistent payments.

We report to all three major credit bureaus: Equifax, TransUnion, and Experian, giving you the best chance to build a comprehensive credit history.

Yes, you can cancel your membership at any time with no penalties or cancellation fees. Your account will remain active until the end of your billing period.

We use bank-level 256-bit SSL encryption to protect all your personal and financial data. We never sell your information to third parties.