Build Now for a better future
Apply for a VIVA Seed Credit Builder Account to build your credit history and improve access to financial products.
How VIVA Seed Credit Builder Works
Sign up without a credit check
Verify your identity with your SSN or TIN. There is no hard inquiry, so applying never hurts your score.
Get approved for a VIVA revolving tradeline
Once verified, you are approved for a $1,000 revolving account that can only be used to buy your VIVA credit-building plan.
Build credit with on-time payments
Your $5 monthly plan payment is split across your paychecks and reported to Equifax, Experian and TransUnion.
Our Plan
One simple plan. Everything you need to start building a credit history.
Billed on your pay frequency — just $2.50 per bi-weekly paycheck.
$5/mo
- $1,000 reported VIVA Seed tradeline
- Reports to Equifax, Experian & TransUnion
- No hard credit check to apply
- Free credit tracking through VIVA Pulse
- Cancel anytime, no cancellation fee
- Bank-level security & live support
Your tradeline typically appears on your reports in 4–6 weeks.
Credit Reporting and Repayment
When you sign up for VIVA Seed, you are approved for a line of credit with no hard credit check. Unlike a traditional credit card, this line of credit can only be used to purchase credit-building plans from VIVA. The plan costs $5 a month.
Your paycheck
$2.50 per pay period
Paid bi-weekly? You send $2.50 each paycheck to your VIVA Program Account.
Your $5 plan
Charged to your tradeline
The plan balance sits on your $1,000 VIVA Seed revolving account each month.
The bureaus
Equifax · Experian · TransUnion
VIVA reports your on-time payments, building payment history, low utilization and account age.
How VIVA Seed Impacts Your Credit Score
- 35%
- Payment History: Consistent, on-time monthly micro-payments lay a solid foundation for your score.
- 30%
- Credit Utilization: A $5 balance against a $1,000 limit keeps utilization well under 10%.
- 15%
- Account Age: Keeping your VIVA Seed account active builds long-term credit history.
- 10%
- Credit Mix: Adds a dedicated revolving tradeline to diversify your credit profile.
What VIVA Seed is not
- Not a credit card — no plastic arrives in the mail.
- Not a loan — you never receive cash.
- Not spendable — the credit line only buys your VIVA Seed plan.