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How to get the most out of Atlas

Updated over 2 weeks ago

Maximize Atlas Features

  • Earn rewards on everyday spending—including your membership fee.

  • Report to all 3 bureaus: TransUnion®, Experian®, and Equifax®.

  • Boost credit further with optional rent reporting.

Understand Your Spend Power

  • Your Spend Power reflects your deposit + unsecured credit.

  • Reported Credit Line = the highest limit you used during the month.

  • To increase Spend Power, add to your deposit or link a direct deposit.

Smart Pay Keeps You On Track

  • Helps lower utilization by paying off balances during the month—not just at the end.

  • Avoids missed payments and builds a strong payment history.

  • Works automatically—but you can skip or pause if needed.

Pro Tips

High utilization early in the month can still impact your score, even if you pay later. SmartPay takes care of transitions behind the scenes so you stay on track.

FAQs

Q: How do I increase my credit limit with Atlas?

A: Add to your deposit or grow your payroll credit with recurring direct deposits.

Q: Does Smart Pay replace manual payments?

A: It can—but you’re always free to make manual payments if you prefer more control.

Q: Does Atlas report rent payments?

A: Yes—rent reporting is available as an add-on to help boost your credit.

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