No. This is not a loan and you will not receive any funds. You pay a monthly fee, and in exchange your payments are reported to the three major credit bureaus as an installment account. Your membership also includes a free credit report review, lifetime access to 7 Steps to a 720 Credit Score, priority access to our monthly Q&A calls, legal support and counselling, a student loan evaluation, and identity theft cleanup.

Your monthly payment is due by the last day of the month. Payments are reported to the credit bureaus the following month.

Yes. You entered your payment details when you completed the agreement, and your monthly payment is taken automatically.

0%. There is no interest on this program.

Credit reporting is not immediate. Allow up to 90 days from enrollment for your first payment to appear.

Your payment is reported the month after it is made. For example, if your first $39 monthly payment is made in February, it is reported in March. If you pay the setup fee in February and your first monthly payment in March, it is reported in April.

Your payments are reported to the credit bureaus by Consolidation Capital. If more than 90 days have passed since enrollment and you still do not see the account on your report, please contact support.

Scores typically begin to improve after four to six months of consistent, on-time payments, though results vary with your individual credit history.

You may notice a small dip when the account first opens. That is normal. With consistent payments — and by working through 7 Steps to a 720 Credit Score — your score should improve over time.

No. Every applicant is approved, regardless of credit score or income.

Contact us on 602-691-7570 before your due date so we can talk through your options. Late payments may delay the improvement you are working towards.

Payments are due by the end of the month, and you have a 15-day grace period to bring the payment up to date. If the payment does not go through, you will hear from us at the beginning of the following month. If it remains unpaid at the end of the grace period we will cancel your membership, so that late payments do not damage the credit score you are building.

Call 602-691-7570 or email support@720creditscore.com and we will update your card details for you.

Both. The Credit Rebuilder Program is month-to-month, so you may cancel at any time. The default term is 48 months, and we recommend staying the course that long to get the full benefit — credit history is built by sustained, on-time payments.

If your score improves sooner, that is a good outcome. Contact us and we will cancel without penalty.

Call 602-691-7570 or email support@720creditscore.com. Cancelling before your sixth payment may mean you do not see the full benefit of the program.

Your membership includes a free credit report review, and the representative who carries it out will walk you through accessing your report at no cost.

As soon as your account is set up, generally within 72 hours of enrollment.

Your existing access continues uninterrupted, and you receive all the other benefits of the Credit Rebuilder Program on top of it.

No — credit reporting is tied to an individual, so each person needs to enroll separately.

Possibly not. Ask yourself three questions: is your existing installment account in good standing, is your credit score improving as quickly as you want, and would this payment cause you financial hardship? If the answer to any of those is yes — particularly the last — please do not enroll unless you want the other membership benefits.

First, check your spam or junk folder for messages from support@720creditscore.com.

If they are not there, email us at the same address to let us know. If you have a second email address, include it and we will try that instead.