Resource Center | Building Credit | Spruce

All building credit articles

Building credit

How to build credit without a credit card

These days it’s tough to rent a car, book a hotel or even use some rideshare and delivery apps if…

Spending

How to buy a house with bad credit – Is it possible?

Homeownership is a dream for many Americans. It can represent not just financial stability, but also a major life goal.…

Building credit

Benefits of a balance transfer and the impact on your credit score

Consider this scenario: You’ve had a credit card for a few years, but you open a letter and see an…

Building credit

How to check your credit score without hurting it

Reviewing your credit is an important habit. Whether you’re planning on borrowing money for major purchases like a car or…

Building credit

How to start building credit — or rebuild it — with confidence

Building credit may seem like a huge hurdle if you’re trying to gain financial stability. It’s a tricky topic. That’s…

Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your Savings Account. See Spruce Rewards powered by Dosh Terms for details.
Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
No fee to withdraw money at Allpoint^® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
Credit score is FICO^® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO^® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce Spending and Savings accounts, provided by Pathward, N.A., Member FDIC.
Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.
Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.