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Results may vary. CreditBuilderIQ℠ services are 100% U.S.-based. CreditBuilderIQ provides credit report information from Experian, Equifax and TransUnion. CreditBuilderIQ does not provide credit counseling services and does not promise to help you obtain a loan or improve your credit record, history, or score. CreditBuilderIQ is not responsible for the content, accuracy, or completeness of your credit reports. Not all lenders use Experian, Equifax, or Transunion credit files. The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different than the VantageScore® 3.0 model to assess your creditworthiness.