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© Perpay Inc., 2021

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®, and Equifax®.

*Based on a study of over 4,000 Perpay members, customers enrolled in credit building starting in January 2020 observed an average credit score (VantageScore 4.0) increase of 28 points by October 2020. Customers not enrolled in Perpay+ had an average score increase of 16 points over the same time frame. Individual results may vary. Credit score improvement is not guaranteed.

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