Credit Builder impacts three of the largest contributors to your credit score: credit utilization, payment history, and account age. The Line of Credit that comes with Credit Builder has a limit of $1,000, which increases your overall credit limit, gives your lower overall credit utilization, and could help build your credit. In addition, Credit Builder utilizes a Line of Credit to help you save money. Every payment you make to pay off the balance on your Line of Credit is reported as a payment to the Credit Bureaus. On-time payments to your Credit Builder help strengthen your payment history which could help your credit. Finally, the Credit Builder plan has no fixed term length, so you can keep it active as long as you want. The longer you keep your Credit Builder open, the longer your average account age will be and the more it could help your credit.