While using Pebble can positively impact your credit score by reporting consistent on-time bill payments, we cannot guarantee a specific improvement. The effect on your score depends on various factors, including your existing credit history, credit utilization, and other active lines of credit. That said, in a study of actual customers enrolled in our product, participants who started with a VantageScore 4.0 credit score of 600 or below saw an average increase of 30 points after three months of consistent on-time use.
Please note, if you miss a payment with Pebble, it may negatively affect your credit score. Since Pebble reports the entire bill receipt, including our fee, any missed payments will be included in the tradeline reported to credit bureaus.