Frequently Asked Questions
Answers to the most common questions about CreditStrong.
How it Works
- What is a CreditStrong Account?
- How do CreditStrong installment accounts work?
- How do CreditStrong revolving accounts work?
- How do I know if I need an Installment or Revolving Credit Builder?
- Can I make withdrawals from my CreditStrong account?
- How does CreditStrong differ from credit repair services?
Applying
- Is CreditStrong available in my state?
- If my application is denied, will it hurt my credit score?
- What happens if I didn’t get a text verification code?
- Why do you need my Social Security Number (SSN) or Individual Tax Identification Number (ITIN)?
- I’m having trouble creating my password. What are your password requirements?
- If I don't have an SSN, can I build credit with my ITIN?
Eligibility
- What is required to open a CreditStrong account?
- How do you decide if I’m eligible for a CreditStrong account?
- What is the minimum income needed to open a CreditStrong account?
- Will I be denied if I have low or no credit?
- Why was my application denied?
- Can I reapply after being denied?
Scores & Reporting
- What credit score do you provide?
- Do you perform a hard inquiry or pull on my credit report when I apply?
- Do you report to all three major credit bureaus?
- How long does it take for my credit builder account to appear on my credit report?
- How much will a CreditStrong account increase my score?
- Why did my score dip after my CreditStrong account was reported?
Payments
- When do I make my first payment?
- How do I make a manual payment?
- How do I manage my AutoPay settings?
- How do I update my payment method?
- Can I make advance payments for future months?
- What should I do if I don’t think I can make my payment?
Managing your Account
- How do I reset my password?
- How do I check my balance?
- Is my account FDIC insured?
- Can I cancel or close my account early?
- How do I close my CreditStrong account?
- Can I temporarily suspend my CreditStrong account?
Contacting CreditStrong
- How do I contact CreditStrong?
- I’ve told so many friends about you! I think I want to partner with CreditStrong at Austin Capital Bank. Who do I contact?
- How can I suggest a product or feature?
- I think I found a bug or error in your software. What should I do?
- Things aren’t going as well as I expected. How do I file a complaint?