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You choose a credit line between $300 and $99,000. We open an Installment Sales Contract through our Denefits partnership that reports directly to Equifax. Every on-time monthly payment gets reported, building your payment history — the single biggest factor in your credit score at 35%. No hard credit pull to apply. A one-time $39 down payment activates your Denefits plan — once that is down, your benefits kick in and your on-time payments start reporting to Equifax.