Unlike traditional loans and credit cards, there's no interest compounding overtime, just a flat monthly administrative fee of $100.

On-time monthly payments contributes to a positive payment history -- the most significant factor in credit scoring (35% of a FICO score).

Making regular contributions, helps build financial discipline, and at the end you'll have a substantial savings that can be used for investments, emergencies, or major purchases

While actively saving, your credit profile also improved; offering two benefits in one plan.

With no traditional credit check required, these products are ideal for those who have been denied credit elsewhere. It provides a guaranteed path to credit improvement.