How does Atlas build your credit?
Auto-pilot credit building: Pay the membership fee, spend with your Atlas card, and let SmartPay handle on-time payments.
Reports to all bureaus: Atlas reports your payment history, credit limit, balance, and payments to TransUnion, Experian, and Equifax monthly.
No hard pulls: Atlas starts reporting within two weeks of activation without impacting your credit score initially.
How soon can your score improve?
Many members see their credit scores rise by 30 points on average with responsible usage and on-time payments.
How long it takes for your credit score to improve can vary based on your individual credit history and payment behavior.
Please note that individual results may vary but here’s what some of the Atlas customers are saying:
How can you track your credit with Atlas?
View your Experian Vantage 3.0 score anytime in the Credit section of the app.
You can also use third-party services for additional tracking.
What are the benefits of a higher credit score?
Save money: Lower interest rates on loans and credit cards.
More opportunities: Easier approval for loans, apartments, and other financial options.
What if my credit score drops?
Temporary dip: Opening a new account, like Atlas, may briefly lower your score.
Other factors: Missed payments, high credit usage, or errors in your report.
What to do if your score drops?
Check your report: Look for errors or negative marks.
Dispute mistakes: Contact Atlas for help with corrections.
Stay consistent: Keep making on-time payments and use credit responsibly to recover quickly.
Atlas helps you build credit efficiently while giving you tools to track and improve your financial health!
*Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder 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 payment may negatively impact your credit score.