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 5,000 Perpay+ members, customers enrolled in credit building starting in November 2020 observed an average credit score (VantageScore 4.0) increase of 39 points by April 2021. Individual results may vary. Credit score improvement is not guaranteed.