Your Becca’s retail account is not a credit card. It’s a revolving line that’s made exclusively for use within our website.
Becca’s targets the four core elements that drive 90% of your credit score: payment history, credit utilization, account age, and credit mix.
Payment history accounts for 35% of your score and tracks your track record of on-time payments. Your account helps establish consistent monthly payment activity.
Credit utilization represents 30% of your score and measures how much available credit you’re actually using. Lower percentages work in your favor, and smart use of your account supports healthy utilization ratios.
Account age contributes 15% to your score by averaging how long you’ve held all your accounts. Since your Becca’s account has no expiration, maintaining it helps extend your credit history timeline.
Credit mix represents 10% and demonstrates your ability to manage diverse credit products. Your Becca’s account enhances the variety within your credit profile.
No, credit scores are based on multiple factors. Late payments get reported to the credit bureaus, which can hurt your credit. Regular, on-time payments are the best way to ensure positive reporting. Becca’s recommends using our built in Autopay, which make on-time payments effortless.
No. There are no hard credit checks with Becca’s.
Becca’s is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion. Becca’s reports your accounts at the start of every month.
No. There are no other fees to use Becca’s. We don’t charge interest, late fees, or other hidden fees.
Becca’s does not provide a physical card.
It can take up to 60 days for your Becca’s account to show on your credit report. We report account activity at the start of every month, and it can take another couple of weeks to be processed by the credit bureaus and posted to your credit report.
Becca’s is available in every state across the USA except: MN, NJ, VT, WI, WY.
17-month agreement that renews monthly until you cancel. Cancel anytime, no penalties.
You do not get money back after completion, this is not a credit builder loan.
Yes. We offer a 45 day money back guarantee. After your first 45 days, you may cancel anytime without penalty.
If you’ve made at least one payment, your account is already reported to credit bureaus as an active tradeline. Closing it will hurt your average account age and credit score.
We strongly recommend maintaining your account and making regular payments. This builds a solid payment track record while increasing your account age, both essential components for improving your credit score.
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