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BuildCredit Loans are not a credit repair product, and will not remove negative credit history from your credit report. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus, which may negatively impact your credit score. Credit profile improvement is not guaranteed. BuildCredit LLC is a wholly owned subsidiary of Array US Inc, and is not a bank. BuildCredit Loans are originated by Cross River Bank, Member FDIC, a New Jersey Chartered Bank. Loans made by BuildCredit and Cross River Bank are subject to loan approval, terms, and conditions. BuildCredit Loans are deposited into a deposit account provided by Cross River Bank, Member FDIC.