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.
![Grow Credit Team avatar](https://static.intercomassets.com/avatars/4221190/square_128/Screen_Shot_2020-06-18_at_10.55.12_AM-1592502924.png)
Written by Grow Credit Team
Updated over a week ago