In a recent study comparing more than 10,000 consumers, Extra cardholders experienced, on average, a 20-point increase in their credit scores during the study period compared to only a 1-point increase in credit scores among non-Extra users.

The most successful Extra members that used the product as recommended saw a 48-point increase on average, and those who started Extra with a credit score of less than 500 experienced an impressive 99-point credit score increase!

Successful cardholders, who use the product as recommended, are defined by having: no missed payments in the last 6 months of membership on any credit line; no maxed out credit lines in the last 3 months of membership; and starting their membership with a credit score of 650 or less.

Bolstered by increased credit scores, Extra cardholders were 2-3 times more likely to open new trade lines for mortgages, auto loans and/or credit cards over the course of a year.

To learn more, please see the full study at extra.app/study.

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