Experian® vs Ava: Build Credit History Fast使用状況と統計

Get your Experian credit report and FICO® Score* with a free Experian membership—no credit card needed! Learn how to instantly raise your FICO Score with Experian Boost®ø, get notified about changes to your credit and more. You can even open a new Experian Smart Money™ Digital Checking Account—it’s FDIC insured with no monthly fees or minimum balance¶ (see terms at experian.com/legal). GET STARTED FOR FREE • Experian credit report & FICO® Score* Check your FICO Score and credit report anytime, anywhere—it won’t hurt your credit. Sign in for updates every 30 days. See what factors help or hurt your FICO Score, and actions to take for better credit. • Experian Boost®ø Raise your FICO® Score* using bills like your cell phone, utilities, video streaming services & eligible rent payments. • Experian Smart Money™¶ The Experian Smart Money™ Digital Checking Account helps you build credit without debt by automatically connecting to Experian Boostø! • Credit monitoring Stay informed with push notifications if your FICO® Score* changes, accounts are opened in your name or new inquiries appear on your credit report. • Money management Connect external bank & credit card accounts to see all your income, transactions and balances in one place. • Marketplace^ Compare credit card, loan or insurance options matched to your unique credit profile. PREMIUM BENEFITS • Bill negotiation & subscription cancellation** Save time and money when our experts negotiate your bills to get your best price! We'll even cancel subscriptions you no longer use. • Experian CreditLock*** Protect against identity theft by locking your Experian credit file. We’ll alert you in real time if someone tries to apply for credit in your name while your file is locked. TERMS See experian.com/legal for Terms of Use Agreement, Privacy Policy, Cardholder Agreement & Disclosures. ¶The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank. ‡To be eligible for the $50 bonus, your Experian Smart Money™ Digital Checking Account must be credited with at least $1,000 in direct deposits within 45 business days of opening your account, and your account must stay active and in good standing at the time the bonus is paid. The bonus will be deposited into your account within 10 business days, once earned. Terms and conditions apply. øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. *Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8 or another type of credit score altogether. **Results will vary. Not all bills or subscriptions are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any savings. ***Experian CreditLock is a separate service from Security Freeze: experian.com/freeze/center.html. Learn about the differences between them: experian.com/blogs/ask-experian/whats-the-difference-between-freezing-or-locking-my-credit/ ^Based on FICO® Score 8 model. Approval is not guaranteed. Some may not see savings from improved interest rates. Offers are not available in all states. ©2023 Experian. All rights reserved. Experian. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners. Licenses & Disclosures: experian.com/help/cm-licenses-and-disclosures.html

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Ava: Build Credit History Fast

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90%* of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable. Why Ava, you ask? Quick Results: 74%** of our members saw an improvement in their credit score within the first two weeks of joining Ava. Stick to those on-time payments, and you might just get a 40+** point boost in three months! Easy Setup: You'll be up and running in less time than it takes to make a cup of coffee - less than 5 minutes!. Transparent Pricing: Starting at just $6/month for the annual plan, Ava offers a simple, affordable route to better credit history. With Ava, you can expect: - No hidden fees - 0% interest - Instant account set up with no credit check - 0 deposit/collateral required Included in our simple pricing are: CREDIT BUILDER CARD: Ava’s Credit Builder Card allows you to pay for over 60 online subscriptions and bills like Netflix and Verizon, while also lowering your credit utilization. NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks. We help you keep a low card utilization with a spend limit to positively impact your score. When you make on-time payments we report your positive behavior to all three credit bureaus within 48 hours. SECURED CREDIT BUILDING ACCOUNT: The Ava Save & Build secured loan helps you save money AND improve your credit history at the same time. Add an additional credit line to your report and increase the frequency of on-time payments. Start by putting away at least $25/month and you get ALL the money you saved after 12 - 24 months of on time payments. Absolutely NO interest or added fees. You keep every dollar you save towards the secured loan! MONTHLY FREE CREDIT REPORT Stay on top of your credit score with free credit reports in the app. Discover insights and suggestions in your report that make it easy to understand credit factors, like credit utilization and percentage of on-time payments. DEDICATED CUSTOMER SUPPORT Require assistance or have inquiries? Our dedicated support team is here to help. Contact us at support@meetava.com. Ava makes credit building easy. What you see is what you get – no hidden fees, zero interest, and a promise that we've got your back. We make sure we win only when you win. A better credit score, peace of mind and thousands in savings are just a few taps away. Ava is not a bank, Ava is a technology company that partners with banking services provided by Evolve Bank & Trust, member FDIC to provide the Secured Loan Account. The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., member FDIC pursuant to a license from Mastercard international Incorporated. * With Ava's Credit Builder Card and Save & Build Account you add two new tradelines to your credit report that helps with your credit mix (10%) and credit history (15%). With each payment made on time you help build your payment history (35%). The Credit Builder Card's credit limit helps with your credit utilization (30%). ** Data is for the period Jan 1, 2023 - Dec 31, 2023, and describes average outcome for members who subscribed to Ava, activated the Ava Card and were furnished to the bureaus within 7 days, and did not cancel their membership within 7 days of signing up. A credit score increase is not guaranteed.