Polar Mobile gives you reliable wireless service and helps you build credit—at no extra cost. When you make on-time monthly payments, we report that positive payment history to the credit bureaus, helping you strengthen your credit over time.

Polar Mobile is for anyone who wants affordable, reliable wireless and a simple way to build credit at the same time—especially people with thin or subprime credit who want to turn on-time phone payments into positive credit history.

Porting in your phone number is a hassle-free process. If you would like to keep your current phone number, you will have the option to port in your number after signing up. To do so, you will need your account number and PIN information from your previous carrier. You may also follow these steps here.

It can—but it isn’t guaranteed. If you make on-time monthly payments, those positive payments can help build your credit history over time. Your score depends on your full credit profile (like payment history, utilization, length of credit, and any negative items), so results vary by person.

When you pay your Polar Mobile bill on time each month, we report your positive on-time payment history to the credit bureaus. Reporting happens on a monthly cycle after your payment posts, and it may take a few weeks to show up on your credit report.