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[1] You may not receive an improved credit score based on your financial behavior. Other factors, including activity with other creditors, may also impact results. Individual results may vary. 60 points was observed in a 2020 study carried out by the Consumer Financial Protection Bureau. Approval is subject to approval & identity verification. Additional terms and conditions may apply. You may cancel anytime. Late or missed payments can have a negative impact on your credit. Make On-Time Payments to maintain account health.