Network of Winners
Join NOW
A member reviewing her credit scores across all three major bureaus
A family walking into their new home
A couple on a rooftop terrace overlooking the city
A family on safari watching elephants at a waterhole

Improve Your Credit Score

A score that works in your favor.

Three numbers decide what you are allowed to buy, what rate you pay, and whether the answer is yes. NOW puts your payments and your income on the record that produces them.

Join NOWWhat gets reported

Your score, on the record

What gets reported

We do not coach you on credit. We report to it.

  • 01Reported to Equifax, Experian and TransUnionEvery NOW membership payment you make on time is reported 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.
  • 02Reported to The Work Number from EquifaxThe 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.
  • 03Financial ProgressYour scores, your reported payment history, your reported income, and how close you are to qualifying for what you are working toward.
A family celebrating together on a theme park ride

NOW Credit

At Gold, we stop reporting your credit and start extending it.

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.

See the Winner titles

What a score buys

The same three numbers decide all of it.

  • A family arriving home at their house at sunset
    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.
  • A family walking to their luxury SUV in the driveway
    The keys.The car the whole family fits in. Bought, not settled for.
  • A passport filled with stamps handed across a passport control counter
    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.

Join NOW