There are a few things that get factored into your credit score: payment history, credit utilization, length of credit history, credit inquiries, and credit mix.

Perpay helps you with each of these! To access our credit building benefits, activate Perpay+ from your dashboard or within checkout on your first order.

Once you activate Perpay+, we will report your Perpay Spending Limit as a new credit line to the major credit bureaus - Experian®, Equifax®, and TransUnion®. From there, each automatic direct deposit payment you make on orders with Perpay will be reported to the credit bureaus helping you to build positive payment history!

Perpay will start reporting to the major credit bureaus after you complete four months of on-time payments*. Total payments must exceed $200 to qualify.

*Please note that orders must be completed with consistent, on-time payments in order to qualify for credit building. Some accounts may not qualify for credit building due to performance on the Perpay platform. Please direct any questions about this to our Support Team.

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