Credit Builder
Paycheck-backed credit builder
Help your users go on the offensive by building their credit history with payments made directly from their paychecks.
Good morning, Heather!
Credit score
History
What’s included
Credit monitoring
Active · updated today
Rent & bill reporting
Link your bank account
Set up
Credit factors
Payment history
High impact
Good
Credit utilization
High impact
21%
Length of credit history
Medium impact
5.3 years
Credit mix
Low impact
8 open
New inquiries
Low impact
4
Available credit
High impact
0
Credit-building tips
Pay bills on time, even just the minimum
Payment history is the single biggest factor affecting your score. Set up autopay for at least the minimum payment due so a rough month never costs you points.
Keep card balances under 30% of your credit limit
If your credit card has a $500 limit, try keep your balance under $150. Under 10% is even better. This is the second biggest factor affecting your score after on-time payments.
Check your credit report for errors
About 1 in 5 reports has a mistake that's quietly dragging the score down. Monitor accounts that are under your name.
All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.
Monthly payments
5
Last payment
Sep 3
We report it
Oct 3
Next payment due
Oct 1
Why we’re building it
Alex Kostecki, Head of Product
What makes this different
Turn your platform into the place where employees build a financial life
61%
of users wanted access to a credit builder1
60%
of users wanted payment for a credit builder to come from their paycheck1
