How does Credit Builder help with my credit score?
As you spend from Credit Builder, money is subtracted from your balance and held to make an automatic on-time payment on the 25th of the month. This payment is reported to the primary credit bureaus. Please note: Credit reporting may be limited to select credit bureaus during One's Credit Builder beta phase.
Timely payments can have a positive impact on your credit score.
Utilization is not reported. Use up to your limit without any impact on your credit.
Credit Builder is currently in beta testing. To request early access, click here