⚠️ WARNING ⚠️ Don't download or use this app if you really want to build your credit. This app constantly requires you to pay a Boosted amount of money to function through the app. After 1 year they just disconnected my account because I always ignored their harassment of multiple emails to upgrade my membership. Before that they never boosted my credit using my credit card (that is in perfect balance/no late payments ever/1yr and I use it regularly-$60mth). Don't waste your time and energy.