> It also allows people to build their credit without a credit card. I actually looked into this when I first saw these companies spring up, as I figured it co

> It also allows people to build their credit without a credit card. I actually looked into this when I first saw these companies spring up, as I figured it couldn’t hurt to build up my credit some more, for free. Unfortunately, unless I was mistaken, what I determined was that these companies don’t report your positive activities to the credit bureaus. The net result is that there’s nothing but downside from a credit perspective.