This credit builder focuses on improving your credit score through timely payments on a loan, all covered by the SFCU. The way it works is as follows:

- Choose a different principal amount at different terms.

- The SFCU loans you the principal amount in a frozen account that you cannot access.

- The SFCU makes monthly payments on your behalf and sends a report of these timely payments to the credit bureaus.

- We report this to the credit agency as loan repayments are made on time. This builds your credit score.


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