Your Credit Builder Account!
No Hard Credit Pull
Track your score
Schedule your Payments
Reports to all 3 Bureaus
Our Plans
Frequently Asked Questions
How is my credit score calculated?
Credit bureaus consider five categories, which vary in how much they contribute to your credit score: • Amounts owed (30%) - do you owe too much to too many lenders?. • New credit (10%) - have you opened multiple new accounts in a short period of time? • Payment history (35%) - do you make your payments on time? • Credit mix (10%) - do you have a variety of account types, such as credit cards, installment loans, mortgage, etc.? • Length of credit history (15%) - does your record show that you can maintain your commitment over a period of time? Your credit score is as unique as you are and will evolve over time as the information in your credit profile changes. No credit or poor credit now, doesn’t mean forever. A BuildCredit™ Account is a good place to start establishing the credit you want.
How often do you report to the bureaus?
We report your payments to all three bureaus every month: Equifax, Experian, and TransUnion. We may wait to report until a few days after you make your payment so we can be sure it’s cleared your bank and won’t be returned. Each bureau has its own timing for when they review and post the data to your credit profile. Typically, it happens within a few days of receiving the report from us. The bureaus will update your credit score at the same time they update your profile. However, third-party services, such as your bank or other non-bureau credit monitoring services, may take up to a month to reflect the new data.
When will my loan show on my credit report?
It may take up to 3 months before your BuildCreditâ„¢ Account shows up on your credit report. If you want to see how your payment history is being reported to the credit bureaus, go to the Payments tab of your loan dashboard in the Credit Reporting section.
How do I make a payment?
You make ACH payments in the Payments tab of your account dashboard. If you’ve turned on autopay and your payment details are up to date, you’re all set. We highly recommend autopay as the smart way to avoid the possibility of late or missed payments. Otherwise, you’ll need to make manual payments every month. 1. Go to your dashboard. 2. On the Payments tab, where you see the amount due, select a payment date from the list. Note that the payment dates are limited to within the grace period. Dates 4. outside that range would be considered late payments and are not available. 3. Click or tap Schedule a Payment. 4. In the Confirm payment window, click or tap Confirm Payment Date.
How do I change my payment information?
You can change your payment information to provide a new routing number or account number or change the type of account. You won’t be able to change the name on the account. 1. Go to your dashboard. 2. On the Payments tab, next to where you see your name and the last four digits of your account number, click or tap Edit. 3. In the modal that opens, do any following: - In the Routing number field, replace the old routing number with the new one. - In the Account number field, replace the old account number with the new one. - Under Account type, select the account type change. 4.Click or tap Save. You can also go to the Account tab and edit your payment information there under the Payments section.
Unlock Financial Opportunities with VIVA Seed
Whether it's securing your dream home, getting that car, or obtaining affordable insurance, VIVA Seed empowers you to access the financial opportunities you deserve.
VIVA Seed is your key to actively growing your credit history and paving the way to better financial services.
Join a community that understands the power of responsible financial choices and start building for your financial future today with VIVA Seed.
More Information & Help
All loan approvals are subject to identity verification and require first and last name, email, residency address, mobile phone number, date of birth, and Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN).
Viva Finance is not a bank. Viva Seed BuildCredit loans are originated by Cross River Bank, Member FDIC. Loans made by BuildCredit, LLC, a wholly owned subsidiary of Array US, Inc., and Cross River Bank are subject to loan approval, terms, and conditions. Viva Seed BuildCredit loans are deposited into a deposit account provided by Cross River Bank, Member FDIC. Deposits held at Cross River Bank, Member FDIC, insured up to $250,000. BuildCredit, LLC is not a bank.