Step is the best way to build a positive credit history before you turn 18¹. The Step Visa Card with Smart Pay prevents you from missing payments and spending more money than you have.
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“My Credit score is 734 and i just turned 18...”
“Amazed that is was so high.”
“Boosted my score Over 100 Points.”
“It brought me from no score to 735...”
Participants may be compensated for their participation.
What is a Credit score and why is it important?
A credit score is a number between 300 and 850 that represents how responsible you are with money. Your ability to get affordable rates on things like student loans, cars, apartments, and cell phone plans depends on your credit score. The higher the score, the more likely you are to get approved with lower interest rates and premiums, ultimately saving you money. A “good” score is considered 670-739 by FICO and 661-780 by VantageScore 3.02.
The average step user has an initial Credit Score of 723
when they turn 183
Building credit is simple with Step
Make purchases with your Step Visa Card. They don’t have to be big purchases but it’s best if you use your card regularly.
Build YOUR Credit History
With Smart Pay, your purchases are automatically paid off every month using the funds in your deposit account.
Report your Positive History
Opt in for us to report the positive payment history you’ve accumulated to the credit bureaus. You must be 18 to opt in.
It pays to build credit with step
$147/MO or $250/MO4
student loan interest rate
6.24% or 10.46%5
a security deposit
1 mo rent OR 2 mo rent6
We know what you’re Wondering...
How are credit scores calculated?
How often is credit reporting updated?
How do I opt in to credit reporting with Step?
What do you report and to who?
What steps can I take to improve my credit score?
Get started by opening a Step Account today. It’s quick and easy.