What gets reported
Three things on your file that were not there before.
Credit is a record of behaviour. The problem for most people is not the behaviour. It is that the behaviour goes unrecorded.
01 · Membership payments
Reported to Equifax, Experian and TransUnion.
Every NOW membership payment you make on time goes to all three major bureaus. Most people already pay their obligations on time and get nothing for it. This one builds your file every single month.
02 · Winner’s Circle income
Reported to The Work Number from Equifax.
The Work Number is the income and employment database lenders query when they verify what you earn. Your Winner’s Circle income is reported there. When an underwriter looks you up, your NOW earnings are already on file.
03 · Rent and payment history
Make the bills you already pay work harder for you.
Rent is the largest payment most households make and it counts for nothing. Your rent and qualifying payments can be reported too, which turns money already leaving your account into credit history.
Financial Progress
See where you are. See where you are going.
The first three put information on your file. This one puts it in front of you.
All three scores, everything NOW has reported on your behalf, and how close you are to qualifying for the things you are actually working toward.
NOW Credit
At Gold, we start extending credit too.
Reach Gold Winner and NOW Credit opens. The NOW Card in black, and in-house credit you use directly with us on NOW vacations and luxury gift items.
Your line is set on your Winner’s Circle income, so it reflects what you are actually earning rather than what a stranger guesses you might.
Every other lender is underwriting somebody they have never met. By Gold, NOW has watched you pay on time every month and watched your Circle income arrive every month. We are not taking a risk on you. We already have the record. And the record keeps building, which is how your line grows.
What a score buys
The same three numbers decide all of it.
The address.Not a dream house. A real one, on a good street, with your name on the deed and a rate you could live with. 
The keys.The car the whole family fits in. Bought, not settled for. 
The stamps.The trips you have been describing to your kids for six years. Booked, and then booked again.
Every one of them comes down to a number. Move the number.
Start the record
The file starts the day you join.
Every month you wait is a month that is not on it.