- Payment history has the biggest impact on credit score accounting for 40% of how the score is calculated per TransUnion (https://www.transunion.com/credit-score). Bright Builder helps you build payment history that may positively improve your credit score if you complete regular on-time payments over time. This can be especially beneficial if you have limited credit history or are looking to rebuild your score.
- A credit score increase is not guaranteed and if you do not make your payments on time, you credit score may decrease. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will have a negative effect on your credit score.
Will Bright Builder affect my score negatively? Print
Modified on: Wed, 23 Apr, 2025 at 8:25 AM
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