Simple by design
How It Works
Pick the wireless plan that fits your life — just like subscribing to Spotify or Netflix. No credit check required.
Once your wireless service is active, opt in to Credit Building. We'll run a quick verification check on your identity to protect against fraud. If you get stuck, our support team can provide a walkthrough.
We convert your payments into a Retail Installment Contract (RIC) - adding a tradeline (a formal credit account) to your report. RIC's emphasize your consistent, on-time payments. No change in price. Cancel anytime without affecting your score; only missed payments count against you.
Payments are reported to the bureaus every month starting from your very first phone bill. Running late? Paying within 30 days past your due date still counts as on-time!
Know your score
Your Credit Score, Explained
Polar targets the factors that matter most — so every month you pay, you're making real progress on your credit.
Payment History
Polar helps thisThe single biggest factor. Every on-time payment with Polar counts toward this.
Amounts Owed
Polar helps thisYour RIC adds an installment balance that decreases over time, improving your credit utilization profile.
Length of Credit History
Polar helps thisYour 24-month RIC adds a long-standing account that ages and strengthens your credit file.
Credit Mix
Polar helps thisHaving different account types (cards, loans, installments) shows lenders you can manage various forms of credit. Polar's RIC is an installment account, which directly adds a new account type to your mix.
New Credit / Inquiries
Every new credit application leaves a hard inquiry on your report. We never hard pull your credit, so signing up won't touch this factor and negatively impact your score.
Payments reported monthly to the bureaus — No added cost or additional steps after your enrollment in our Credit Builder perk.