Our credit-building system works through the use of our virtual debit card. When you opt into a credit-building tier, you will be issued a Cushion card. All you need to do is swap out your current payment method with the Cushion card for any bills, subscriptions, and Buy Now Pay Later purchases you want to build credit on.

Your Cushion card will be directly linked to your personal debit card. We’ll automatically make bill payments on your behalf and then withdraw the bill amount from your bank account so long as you have sufficient funds to cover the amount due.

By allowing Cushion to pay bills on your behalf and pull funds from your linked debit card, we are able to report only your positive payment history to the credit bureau.

Right now, Cushion reports to Experian at the end of each month. The other major bureaus will be added soon.

We report as a line of credit to the bureaus, and this line of credit can grow over time as you continue to use Cushion to pay more bills with the card and establish a consistent track record of on-time payments. Your credit utilization rate is reported as zero as long as you have sufficient funds in your bank account to cover the bills linked to your Cushion card.

For users on the BNPL Builder subscription, we'll report every payment you make to a verified Buy Now Pay Later provider using your Cushion card.

For users on the Cushion PRO subscription, we'll report every payment you make with the Cushion card on all bills, subscriptions, and Buy Now Pay Later.

Please note: Many factors are involved in your credit score and we cannot guarantee that your credit score will improve within a specific period, or at all, by using Cushion.