1 Access to the Perpay Marketplace is offered by Perpay, Inc., and is only available to eligible consumers residing in the United States. Applying for a Perpay account will not affect your FICO® or Vantage score. However, we may obtain information from Clairity which may affect your credit profile with this alternative credit bureau.
2 On-time payment history can have a positive impact on your credit score. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make on time payments by the payment due date may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors. Perpay will report your transactions to Experian®, Equifax®, and TransUnion®.*Based on results observed across more than 40,000 Perpay+ members, customers enrolled in credit building observe an average credit score (VantageScore 4.0) increase of 32 points within the first three months reporting. Individual results may vary. Credit score improvement is not guaranteed. Perpay+ is only available to eligible Marketplace account holders. See the Marketplace Terms and Conditions for more details. A fee may apply. 3 The Perpay Credit Card is subject to credit approval. Not available to residents of New Hampshire. The Perpay Credit Card is issued by Celtic Bank. Applying for a Perpay account will not affect your FICO® or Vantage score. However, we may obtain information from Clairity which may affect your credit profile with this alternative credit bureau.
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