Why hasn't my credit score gone up?

While changes to your credit score aren’t guaranteed, if your credit score hasn’t gone up, it may just be a matter of timing. It can take a few weeks for credit bureaus to process reports, so you might not see the changes for a few weeks. 

To build your credit history, keep paying all of your recurring bills and monthly Credit Builder balances on time. You can stay on top of your payments by having Safer Credit Building toggled on. Using this feature, your card automatically pays off your balance every month with money you transfer into your secured account.

Read these blog posts to learn more about credit scores:

Keep in mind that credit bureaus calculate credit scores independently based on a variety of factors, including your activity with other financial organizations. This means the impact on your credit may vary.

On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

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Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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