EarnIn Card
For EarnIn Card customers, EarnIn reports credit information related to Card usage to Equifax, TransUnion, and Experian.
This gives community members with EarnIn Card the potential to improve their credit score with continued usage and on-time payments. On-time payment history can have a positive impact on your credit and late payment may negatively impact your credit.
Keep in mind that 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.
Note: 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.
Cash Out
Using EarnIn's Cash Out product does not affect credit score. This means you can transfer earnings to your linked bank account at any time, and it won't get reported to credit bureaus or impact your credit score.
Credit Monitoring
Additionally, enrolling in Credit Monitoring does not impact your credit score.