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Credit Karma

From:
Credit Karma
Subject:

Building credit is tough. But we made it easier.

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Credit Builder could help you increase your credit score for free.

Credit Builder1 is 100% free2 with no fees or interest charged and can help you build or establish credit.

Boost your score by an average of 21 points in 3 days!3
Over time, improving credit could help with:
  • More reward credit card options.
  • Better interest rates on loans.
  • Helps when applying for an apartment.
  • Easier to refinance student loan debt.
  • Lower car insurance rates.
Banking services for your Spend account is provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Credit Builder is not provided by MVB Bank.

1 Connecting an external bank account, connecting a paycheck or direct depositing a one time total of at least $750 in a single calendar month is required for activation. Your connected external bank account, connected paycheck or direct deposit(s) must be received in the 2 calendar months prior to application or within a calendar month 90 days after application submission to activate your plan. Credit Builder plan requires you to open a line of credit and a savings account, both provided by Cross River Bank, Member FDIC. Credit Builder is serviced by Credit Karma Credit Builder. Your TransUnion credit score as of 03/13/2024 means you may be prompted to apply for Credit Builder. If your score increases over 619, you may no longer see these prompts.

2 There are no fees for the Credit Builder plan. For Credit Karma Money Spend: Other fees may apply. Please see Spend Account Terms & Disclosures for more information.

3 From December 2023 to April 2024, members with a TransUnion credit score of 619 or below who opened a Credit Builder plan and had it reported on their TransUnion report saw an average credit score increase of 21 points in 3 days of activating the plan. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts.