At the moment, we do not have enough data to give a definitive answer.

Our customers who have been paying the credit builder account on-time, along with their other obligations, have experienced an average credit score increase of 40 points in 6 months for the flagship $1,100 credit builder account. As we gather more data, we will share it in our knowledge base.

We suggest that you choose a credit builder account size based upon what will meet your monthly budget for the next 12 or 24-months. Payment history accounts for 35% of your FICO score — which means, the most important rule is to always make on-time payments. Therefore, you should choose the amount that you will be able to consistently repay.