Build Your Credit
the Smart Way
Establish and strengthen your credit history through a secured installment account that reports directly to major credit bureaus — and get your money back when you're done.
Start Building My CreditHow It Works
No rented tradelines. No gimmicks. Real payment history tied to a secured account — returned to you at term end.
Choose Your Plan
Select the credit amount that fits your goals — from $5,000 to $20,000.
Make Monthly Payments
Low, fixed monthly payments build your payment history from day one.
Funds Are Secured
Your payments are held in a secured escrow-style account and returned to you when the term ends.
Credit Reporting
Your account activity is reported to Experian and Equifax every single month.
Plans & Pricing
Choose the credit amount that matches your goals. All plans carry a 3.00% APR and a one-time $39 activation fee.
| Plan | Credit Amount | Est. Monthly Payment | APR |
|---|---|---|---|
| Starter | $5,000 | $51–$65 | 3.00% |
| Silver | $10,000 | $102 | 3.00% |
| Platinum Popular | $15,000 | $152–$194 | 3.00% |
| Gold | $20,000 | $202–$260 | 3.00% |
Note: A one-time $39 activation fee applies at sign-up. The first 2–3 monthly payments are non-refundable; all remaining payments are returned to you (minus interest and fees) at the end of the term.
Why WBC & Who This Is For
Why Choose WBC
- Build real, verifiable credit history — not a rented account
- Fixed, predictable monthly payments
- Funds returned to you at end of term (minus initial payments and fees)
- Monthly reporting to Experian and Equifax
- No large upfront cash requirement — start where your budget allows
Who This Is For
- People looking to establish credit history for the first time
- People rebuilding credit after financial setbacks
- Anyone wanting to add a positive installment account to their credit file
- Business owners and entrepreneurs preparing to qualify for funding
Important Disclosures
- This is a secured installment loan product, not a guarantee of credit score improvement.
- A $39 non-refundable activation fee applies at sign-up.
- The first 2–3 monthly payments are non-refundable.
- APR and payment amounts vary by plan selected.
- Credit results vary based on individual credit profiles and overall credit usage.
Ready to Build Your Credit the Smart Way?
Choose your plan and start today. A WBC specialist will walk you through every step.
Start Building My Credit