1. Bright reports customer rent history to TransUnion, one of the major credit bureaus. Please note that credit score improvement is not guaranteed, and individual outcomes may vary. Late payments, missed payments, or other defaults on accounts with Bright or other creditors may negatively impact your credit score. Bright does not control credit score calculations, as they are determined independently by the credit bureaus.

2. You must apply for an unsecured line of credit separately from the Bright Builder card. Approval is subject to credit underwriting and other factors. Bright’s line of credit is currently not available in all states.3The refundable deposit you make when opening your account is important because it means you can open an account without a credit check. Your security deposit is returned to you once your credit card account is closed and the balance is paid in full. We may use your security deposit to expedite the pay-down of your outstanding balance. Please refer to the Cardholder Agreement for additional details related to the security deposit. It can take up to four weeks before you receive your security deposit back, allowing for processing time

^Based on Apple Appstore, Google Play store, and TrustPilot ratings as on June 2024.

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