How can EarnIn Card help build my credit?

EarnIn will begin reporting account information to Equifax on {reporting date}.

Payment history represents 35% of a credit score.* With EarnIn Card, you’re able to establish a positive credit history by making everyday purchases and on-time payments. As your payment history is reported to Equifax over time, successful payments demonstrate creditworthiness and gradually improve your credit.**

Tip: Enable autopay to avoid any missed payments. 

How can I see what credit information EarnIn has reported for my EarnIn Card?

Beginning on September 16, 2024, we will report to Equifax, one of the 3 major credit bureaus. You can see the account information we reported by obtaining a credit report from Equifax’s website: Get your credit report. 

Which credit bureau do we report to for EarnIn Card?

Beginning {reporting date}, account information will be reported to Equifax.

 

* See how your credit score is calculated at https://www.myfico.com/credit-education/credit-scores/payment-history

** On-time payment history can have a positive impact on your credit and late payment may negatively impact your credit. EarnIn will report account activity to Equifax. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

EarnIn is a financial technology company, not a bank. Banking Services are provided by Evolve Bank & Trust, Member FDIC. Earnin Card and Secured Account is issued by Evolve Bank & Trust, Member FDIC pursuant to a license from Visa USA Inc.