The SIM that builds your credit score
Build credit, just by paying your phone bill.
No credit checks. No hidden fees.
Trusted by all 3 credit bureaus
The SIM that builds your credit score
Build credit, just by paying your phone bill.
No credit checks. No hidden fees. No interest.
Trusted by all 3 credit bureaus
The SIM that builds your credit score
Build credit, just by paying your phone bill.
No credit checks. No hidden fees. No interest.
Trusted by all 3 credit bureaus
Build credit, just by paying your phone bill
Build credit,
just by paying your phone bill
Build credit,
just by paying your
phone bill
Every Polar plan gets reported to all 3 bureaus, so every on-time payment helps boost your score.
Build credit history, grow account age, and improve your credit mix—without changing a thing.
Every Polar plan gets reported to all 3 bureaus, so every on-time payment helps boost your score.
Build credit history, grow account age, and improve your credit mix—without changing a thing.
Every Polar plan gets reported to all 3 bureaus, so every on-time payment helps boost your score.
Build credit history, grow account age, and improve your credit mix—without changing a thing.
Our plans, powered by
T-Mobile's 5G Network
No contracts. No hidden fees. Cancel anytime.
Every plan helps you build credit, automatically.
Credit Builder
Unlimited
Unlimited+
Start building credit in minutes
Start building credit in minutes
1. Grab your SIM
Pick instant eSIM or free physical SIM—setup takes 30 seconds. |
2. Activate in minutes
Follow the on‑screen prompts; your line goes live and we start reporting today.
3. Pay, build, repeat.
Each on‑time payment hits Experian, Equifax & TransUnion. Watch your score climb.
I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.
Talia M.
Was stuck under 600 for years. Got to 650+ in 4 months on the unlimited plus plan. Just got approved for a car loan (didn’t know a phone plan could do that).
Matt G.
Saved on my plan and saw my score climb from 567 to 609 in 10 weeks. Easiest credit win ever.
Darius R.
I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.
Talia M.
Was stuck under 600 for years. Got to 650+ in 4 months on the unlimited plus plan. Just got approved for a car loan (didn’t know a phone plan could do that).
Matt G.
Saved on my plan and saw my score climb from 567 to 609 in 10 weeks. Easiest credit win ever.
Darius R.
I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.
Talia M.
Was stuck under 600 for years. Got to 650+ in 4 months on the unlimited plus plan. Just got approved for a car loan (didn’t know a phone plan could do that).
Matt G.
Saved on my plan and saw my score climb from 567 to 609 in 10 weeks. Easiest credit win ever.
Darius R.
I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.
Talia M.
Was stuck under 600 for years. Got to 650+ in 4 months on the unlimited plus plan. Just got approved for a car loan (didn’t know a phone plan could do that).
Matt G.
Saved on my plan and saw my score climb from 567 to 609 in 10 weeks. Easiest credit win ever.
Darius R.
I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.
Talia M.
Was stuck under 600 for years. Got to 650+ in 4 months on the unlimited plus plan. Just got approved for a car loan (didn’t know a phone plan could do that).
Matt G.
Saved on my plan and saw my score climb from 567 to 609 in 10 weeks. Easiest credit win ever.
Darius R.
FAQs
FAQs
Find answers to common questions about our credit-building phone plans.
How does Polar help improve my credit score?
We report your monthly payments as an installment tradeline—just like a loan—which helps build credit history across all major FICO models, including older ones. This is much more impactful than a typical utility or rent report.
How does Polar help improve my credit score?
We report your monthly payments as an installment tradeline—just like a loan—which helps build credit history across all major FICO models, including older ones. This is much more impactful than a typical utility or rent report.
Will paying my phone bill really boost my credit?
Normally, your phone bill doesn’t help your credit—but Polar is different. Because we report your payments as an actual installment account, many customers see their scores go up in just a few months.
Will paying my phone bill really boost my credit?
Normally, your phone bill doesn’t help your credit—but Polar is different. Because we report your payments as an actual installment account, many customers see their scores go up in just a few months.
Can I cancel or change my plan anytime?
Yes! You’re never locked in. Switch plans or cancel whenever you want—no contracts, no hidden fees.
Can I cancel or change my plan anytime?
Yes! You’re never locked in. Switch plans or cancel whenever you want—no contracts, no hidden fees.
Can I bring my current number to Polar?
Absolutely. You can keep your current phone number, and we’ll guide you through the simple transfer process during signup.
Can I bring my current number to Polar?
Absolutely. You can keep your current phone number, and we’ll guide you through the simple transfer process during signup.
How fast will I see a credit score increase?
While results vary, most customers see positive changes within 1–3 months. Credit improvement isn’t guaranteed, but consistent on-time payments give you the best shot at real results.
How fast will I see a credit score increase?
While results vary, most customers see positive changes within 1–3 months. Credit improvement isn’t guaranteed, but consistent on-time payments give you the best shot at real results.
How do I get the most credit-building benefit from Polar?
Pay on time every month and stay active for at least a few months. Higher-tier plans report a larger tradeline amount, which may have a bigger impact on your score.
How do I get the most credit-building benefit from Polar?
Pay on time every month and stay active for at least a few months. Higher-tier plans report a larger tradeline amount, which may have a bigger impact on your score.
Does Polar check my credit to sign up?
No credit check or hard inquiry required—signing up won’t affect your score.
Does Polar check my credit to sign up?
No credit check or hard inquiry required—signing up won’t affect your score.
Which credit bureaus does Polar report to?
We report to all three major bureaus—Equifax, TransUnion, and Experian—so your credit-building progress is fully tracked.
Which credit bureaus does Polar report to?
We report to all three major bureaus—Equifax, TransUnion, and Experian—so your credit-building progress is fully tracked.
Is there a fee for credit reporting?
Nope. Credit reporting is included with every plan—no add-ons, no surprises.
Is there a fee for credit reporting?
Nope. Credit reporting is included with every plan—no add-ons, no surprises.
Start Building Your Credit Today
Start Building Your Credit Today
Join Polar Mobile and take the first step towards a better credit score with us.
Join Polar Mobile and take the first step towards a better credit score with us.
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