Credit building—made simple
Set it and forget it: Pay your membership, use your card, and let Smart Pay handle on-time payments.
We report monthly: Atlas reports your balance, payments, and credit limit to all three major bureaus.
No credit check: Start building without impacting your score.
How soon can your score improve?
Many members see score increases—often around 30 points on average—with consistent, responsible usage. Results may vary depending on your credit history and habits—but here’s what real Atlas members are saying:
Track your credit in the app
Check your Experian Vantage 3.0 score anytime in the Credit tab. You can also use other credit tracking tools if you prefer.
Why your score matters
Lower rates for loans or credit cards
Easier approval for loans, housing, and more
FAQs
Q: Why did my credit score go down after opening Atlas?
A: It’s normal for your score to dip slightly when opening a new account. This usually recovers with consistent use.
Q: What else can cause a credit score drop?
A: Missed payments, high credit usage, or credit report errors.
Q: What should I do if my score drops?
A: Review your report, dispute errors if needed (we can help), and keep making payments on time.
*Based on a representative study conducted by Experian®, members who made their first Atlas purchase between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On‑time payment history can have a positive impact on your credit score. Late payments may negatively impact your score.