James Longbotham

The secured ZenFunds Credit Builder Visa® Credit Card can help you build credit history when you make on-time payments. It has no interest*, no annual fees, and doesn’t need a credit check to apply...

ZenFunds partners with Experian to show you your FICO® Score, which 90% of top lenders use. Credit Karma shows you your VantageScore.® They both serve the same purpose, but are calculated different...

Credit scores are calculated using a variety of factors, and can decrease for several reasons. Opening a new credit card may lead to a temporary decrease, for example, as well as late payments. To ...

While changes to your credit score aren’t guaranteed, if your credit score hasn’t gone up, it may just be a matter of timing. It can take a few weeks for credit bureaus to process reports, so you m...

When your ZenFunds account is connected to Experian and you use Experian Boost®*, you may be able to improve your FICO® Score** simply by paying your bills on time. Qualifying bills include: U...

Experian®  is one of the credit reporting companies ZenFunds partners with to help members build their credit history. Once you're enrolled in Credit Builder, you can connect your ZenFunds account ...

If your FICO® Score* isn't showing in your ZenFunds app, it may be because Experian doesn't yet have enough credit history to calculate it. Experian may also be having trouble connecting to ZenFund...

You can close your secured ZenFunds®  Credit Builder account by calling us at (844) 244-6363. Keep in mind that once we close an account for you, we cannot reopen it.

When you use your secured Credit Builder Visa® Credit Card, ZenFunds reports your payment activity to Experian®, TransUnion®, and Equifax®, the three major credit bureaus. We typically do this at t...

Contacting the merchant directly may be the fastest way to request a refund or fix incorrect charges. In-person purchases If you purchased merchandise or service in a retail location, you can call ...