At the moment, we do not have enough data to give a definitive answer. As we gather more data, we will share it in our FAQs.

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.