OpenSky Credit Builder Program

About OpenSky Credit Builder Program

The OpenSky Credit Builder Program mobile application lets you manage your OpenSky Credit Builder Program account from the convenience of your phone- so you can keep on top of your payments, see progress of meeting your Credit Builder Program goal and monitor your FICO score(*)

App features:
- See your minimum payment due and next payment due date- helps make planning easier!
- Make one time payments or set up recurring payments to help you never miss a payment!
- View recently posted payments
- Set up alerts to keep on track

Here are the easy steps for how the OpenSky Credit Builder Program works.
1. Apply for the Credit Builder program to see if you are eligible, and then select your loan Plan
2. Plan payments start at $20 a month(**)
3. On-time monthly payments can help build credit(***)
4. At the end of the Plan, unlock your savings, minus interest and fees

(*) Borrowers with an active Plan will receive their Experian FICO score monthly. Only available to borrowers who have a FICO score available. This score is for informational purposes only and may be different from other credit scores. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

(**) A plan with a loan amount of $221.58 and a 12 month term would have a $20/month payment, an APR of 28.6%, and total payments of $240.

(***) A credit score improvement is not guaranteed. The impact of your use of the Credit Builder Program on your consumer report or credit scores will depend on a variety of factors beyond the data we furnish regarding or through your use of the Credit Builder Program, including other aspects of your personal finances. We will report your account and payment history to one or more credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.

OpenSky Credit Builder Program is offered by Capital Bank, N.A.