Yes, you can! While withdrawing from your tradeline (line of credit) is not required, if you wish to access your Credit Building funds, select the Profile icon in the upper left of your app, scroll down to Credit Building utilization, and select the three dots (...) in the upper right corner > choose Transfer. The app will ask you to confirm how much you’d like to withdraw, and then verify the process by sending a code sent to your phone number to enter.

Keep in mind that you might not be able to access your funds while we're reporting your progress to the credit bureau. You'll need to wait a few days and try again. After your withdrawal is confirmed, it takes 96 hours to process.

Support agents can't speed up this withdrawal. For instance, if you request a withdrawal at 9:02 a.m. EST on Monday, the funds will be in your account at 9:02 a.m. EST on Thursday.

You can't make two consecutive withdrawals from your line of credit without repaying the first amount due. Please make a payment for the withdrawn amount before requesting another withdrawal. If you cancel your Credit Building subscription during this process, the withdrawal won't be successful because only active subscribers can make withdrawals.

As a last note, if you decide to withdraw those funds, you will need to repay them on the billing date, which is the same day your monthly fee is charged. The billing date is determined by your registration date, and it cannot be modified or postponed.

We understand the importance of your loan repayment and will make a first attempt to collect the full amount of your outstanding loan on your billing date. In the event that the first attempt is unsuccessful due to insufficient funds, we will try to collect a minimum payment of $67.50.

To repay manually what was withdrawn from your Credit Building tradeline (line of credit), you will need to select the Profile icon in the upper left of the app, scroll down to Credit Building Utilization, and select the three dots in the upper right to Transfer back funds. You will then select the amount you want to repay and then confirm!

While it's not necessary to withdraw funds from your tradeline (line of credit) to improve your credit score, if you want to access your Credit Building funds, here are a few reasons your withdrawal request might get canceled:

To avoid any issues, we suggest withdrawing your funds on a day outside your billing date.

Remember, our support team can't help with canceled requests. Just make a new request in the app, and you'll get the funds in 96 hours (4 days).