EarnIn reports account information to Equifax, TransUnion and Experian.
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 credit bureaus 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?
We report to the three major credit bureaus: Equifax, TransUnion, and Experian.
You can see the account information we reported by obtaining a credit report:
- Equifax: Get your credit report.
- TransUnion: Get your credit report by mail or phone
- Experian: Free credit report
Which credit bureau do we report to for EarnIn Card?
Account information is reported to Equifax, TransUnion and Experian.
* 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, TransUnion and Experian. 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.