Based on Build Card users, as of December 2024, who opted in to Credit Score Insights and have remained active for at least six months. Scores are calculated based on the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models and may not be the same model your lender uses. Credit scores depend on various factors, including your payment history, delinquencies, credit utilization, length of credit history, types of credit, total number of accounts, inquiries, and other financial activities. Individual results may vary, and a credit score increase is not guaranteed.