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The Credit Builders
THE CREDIT BUILDERS
BUILD CREDIT. BUILD POSSIBILITY.
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Credit Builder Accounts

Build payment history.
Build possibility.

Credit Builder Accounts are designed around structured installment payments and responsible credit-building habits. Choose between an unsecured or secured account structure based on the applicable program terms and your eligibility.

Compare Account Options → How It Works
✓ Installment structure ✓ Unsecured & secured options ✓ Education-first
THE CREDIT BUILDERS Credit Builder Account UNSECURED SECURED ACCOUNT BALANCE $1,200 CURRENT NEXT PAYMENT $100 ON TIME PAYMENT HISTORY 12 / 12 ON TIME UNSECURED Credit Builder Installment Account No security deposit under applicable account terms. SECURED Deposit-based structure Security deposit subject to account terms
ONE GOAL. RESPONSIBLE CREDIT BUILDING.
Installment Payments Payment History Unsecured Option Secured Option Credit Education
CREDIT BUILDER ACCOUNT Structured installment payments ACCOUNT BALANCE $1,200 NEXT PAYMENT $100 PAYMENT HISTORY Responsible payments may support the reporting of qualifying account activity.
How Credit Builder Accounts Work

Build around a payment you can manage.

A credit builder installment account is structured around scheduled payments over the applicable account term. The objective is to create an account structure where responsible payment behavior can be documented and, where applicable, furnished according to program requirements.

✓ Choose the account structure for which you qualify.
✓ Make scheduled payments according to your account agreement.
✓ Maintain responsible payment habits throughout the account term.
✓ Review applicable reporting and furnishing terms.
Compare Your Options →
Two Account Structures

Choose the structure that fits your situation.

The primary difference is whether a security deposit is part of the account structure. Eligibility, pricing, terms, furnishing, and availability depend on the applicable program and customer agreement.

Side-by-Side

Understand the difference.

Both account structures use an installment-payment model. The security-deposit structure is the primary distinction.

Option 01

Unsecured Account

Security deposit Not required under applicable terms
Payment structure Installment
Payment history Scheduled payments
Reporting Subject to furnishing requirements
Eligibility Program dependent
Option 02

Secured Account

Security deposit Required under applicable terms
Payment structure Installment
Payment history Scheduled payments
Reporting Subject to furnishing requirements
Eligibility Program dependent
How It Works

A credit-building account starts with consistency.

The account itself is only one part of the process. Responsible payment behavior and understanding your account terms matter throughout the life of the account.

STEP 01

Choose

Review the unsecured and secured structures and determine which applicable option fits your circumstances.

STEP 02

Apply

Complete the applicable application and provide the information required for qualification.

STEP 03

Pay

Make your scheduled installment payments according to the terms of your account agreement.

STEP 04

Monitor

Review your account and credit information while continuing responsible payment and debt-management habits.

What Matters

The account is a tool. Your habits matter too.

Credit-building is not limited to opening an account. Your broader credit profile can be affected by multiple factors and account activity.

01

Payment History

Making payments according to your account agreement is an important part of responsible installment-account management.

02

Account Terms

Understand the applicable payment amount, schedule, fees, security-deposit requirements, and other terms before opening an account.

03

Credit Profile

An account is one component of a broader credit profile. Other accounts, balances, inquiries, payment history, and reporting information can also matter.

04

Consistency

Responsible credit management is generally a continuing process rather than a one-time transaction.

05

Education

Learning how credit reporting works can help you better understand the information appearing on your credit profile.

06

Long-Term Planning

Credit-building can be part of preparing for future financial goals, including housing, financing, and business opportunities.

CLEAR EXPECTATIONS

Credit Builder Accounts are tools—not guarantees.

Opening a credit-building account does not guarantee a particular credit-score increase, credit approval, financing approval, housing approval, or other financial outcome. Results depend on the individual's credit profile, account activity, reporting information, applicable program terms, and other factors.

No guaranteed score increase Credit-score changes vary based on individual credit files and the information reported to the applicable scoring system.
No guaranteed approval Lenders, creditors, landlords, and other providers make their own decisions using their applicable criteria.
Reporting depends on the program Furnishing, bureau acceptance, account reporting, and available data depend on the applicable program and requirements.
Responsible management matters The account should be managed according to its agreement and payment schedule.
Education First

Understand the account before you build with it.

The Credit Builders focuses on helping customers understand credit reporting, consumer responsibilities, credit use, debt management, and the role that payment history can play within a broader credit profile.

✓ Understand installment-account fundamentals
✓ Understand payment responsibilities
✓ Understand credit-reporting concepts
✓ Understand consumer rights and responsibilities
Explore Credit Education →
CREDIT EDUCATION Know your credit profile Payment History ✓ Account Terms i Credit Reporting ✓ Knowledge is part of the credit-building process.
YOUR NEXT STEP

Choose your credit-building path.

Review the available account structure and take the next step based on your eligibility and goals.

Get Started →

Build responsibly. Understand your account. Keep moving forward.

THE CREDIT BUILDERS