Be very careful using this app. There is no direct support. After enrolling in their Credit Builder program, I was laid off and unfortunately missed one payment, which I made up, I was reported 30 days late and took a 55 point decrease in my credit score. I was unable to contact support to communicate or work anything out, and the kicker is, I didn't use their money. It's in a holding account. Buyer Beware, I'm worse off than when I started.