Believe it or not, a $17 monthly spending limit on our free accounts can have a large impact on your credit score! When Grow Credit reports your activity to the credit bureaus, we report it as a year-long line of credit, disbursed over the course of 12 months. Therefore, the amount we report to the bureaus for a free membership is $204. The potential impact is greater for a Build or Accelerate plan, which are reported as $600 and $1800, respectively.