Build: Credit Building vs Cheese: Credit Builder Account Utilisation & Stats

Build believes everyone should have the opportunity to improve their financial health. We’ve worked hard to provide you with access to credit-building products like the Build Credit Builder Account, payments will build accumulated savings and payment history will be added to your credit report. Download the Build app today to apply, manage your account, monitor your savings¹ progress, and track your credit score. Become eligible to apply for the Build Secured Credit Card by making on-time payments on your Credit Builder Account. There is no hard credit pull and no credit needed. Build your credit history with all three major credit bureaus for as little as $25/mo². Get started today! Please visit www.getbuild.com for more information. Disclosures ¹Loan proceeds are deposited into a secured savings account with WebBank, Member FDIC. The secured savings account does not earn interest and will not be accessible until your loan is paid in full or closed. Your accumulated savings is available to you when your loan is paid or otherwise closed. Note that interest and fees apply to the loan product. ²For example: (1) Starter Loan: Your loan amount is $520. You make $25 monthly loan payments for 24 months and there is a $9 administration fee. 15.92% Annual Percentage Rate. By the end of your loan term, you will have paid $609 ($89 cost); (2) Intermediate Loan: Your loan amount is $724. You make $35 monthly loan payments for 24 months and there is a $9 administration fee. 15.97% Annual Percentage Rate. By the end of your loan term, you will have paid $849 ($125 cost); (3) Value Builder Loan: Your loan amount is $539. You make $48 monthly loan payments for 12 months and there is a $9 administration fee. 15.65% Annual Percentage Rate. By the end of your loan term, you will have paid $585 ($46 cost); and (4) Expert Saver Loan: Your loan amount is $1,663. You make $150 monthly loan payments for 12 months and there is a $9 administration fee. 15.91% Annual Percentage Rate. By the end of your loan term, you will have paid $1,809 ($146 cost). 
PRGB, Inc. (“Build“) is not a bank and does not originate any loan, credit card account, or extension of credit. Build is a third-party marketing vendor and servicer. All loan products, effective May 26, 2023, are issued by WebBank, Member FDIC. All loan proceeds are deposited into a secured savings account with WebBank, Member FDIC. Loan products that originated prior to May 26, 2023 were funded and will continue to be serviced by Synapse Credit LLC. The Build Secured Card is issued by WebBank, Member FDIC, pursuant to a license from MasterCard. Access to loan products and the Secured Card is subject to approval by WebBank, who determines qualifications for and terms of credit. Individual borrowers must be U.S. Citizens, permanent residents, or non-resident U.S. Aliens and at least 18 years old. Valid bank account and Social Security Number are required. All loans and credit card accounts are subject to ID verification. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. This product will not remove negative credit history from your credit report. Terms and conditions apply. Not available in all states. PRGB, Inc. dba "Build", NMLS No. 2410706