We do not pull your credit score. Your spending limit is generated based on the data you provide (i.e. updated pay stub, net pay, etc.). The more information you provide, the more likely you are to be provided with the best possible spending limit!

We also do not report to the Credit Bureaus at this time. We hope to begin reporting payment history to Credit Bureaus in the future, which will allow account holders to improve their Credit Score by simply using Perpay! For now, your activity and payment history on Perpay improves your Spending Limit over time!

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