Atlas is built to help you grow your credit score without the stress of interest charges or runaway debt. Whether you’re starting fresh or rebuilding, we make the process simple, automatic, and transparent.
How Atlas helps your credit
No interest—ever: Just a flat monthly membership fee.
Smart Pay protection: Automatic payments to prevent missed payments.
Credit bureau reporting: We report to TransUnion®, Experian®, and Equifax® every month.
Account history growth: The longer you stay, the more your account age can help your score.
Why it works
Your credit score improves over time when you:
Make payments on time.
Keep your credit utilization low.
Maintain a long, healthy credit history.
Atlas is designed to help you do all three—automatically. You can track your VantageScore® 3.0 from Experian and see your open accounts right in the app.
Tips for long-term credit growth with Atlas
Stay active – Keep your Atlas account open to build account age.
Maintain a positive payment history – Smart Pay helps, but make sure funds are in your linked account.
Monitor your accounts – Check the credit section in the app regularly for accuracy.
Learn more
FAQs
Q: Does Atlas charge interest?
A: No—just a monthly membership fee.
Q: Which credit score does Atlas use?
A: VantageScore 3.0 from Experian.
Q: How often do you report to credit bureaus?
A: Every month to TransUnion®, Experian®, and Equifax®.