Can Brigit report me to credit bureaus for non-payment?

It depends on which Brigit product you use.

For cash advances: Brigit does NOT perform a hard credit pull, and cash advances are not reported to credit bureaus .

For the credit builder product: YES. Brigit reports payment history to all three major credit bureaus (Equifax, Experian, and TransUnion) .

Detailed Explanation

Cash Advances — No Credit Reporting

According to Brigit's official help center: "Brigit does NOT perform a hard credit pull" . There is no minimum credit score required to open the account.

If you take a cash advance and repay it on time, this activity does NOT help your credit score. If you fail to repay, it does NOT appear on your credit report (though Brigit may still attempt to collect the debt through other means).

Important caveat: If Brigit sends your debt to a collection agency, that collection account could appear on your credit report. The fact that Brigit does not report directly does not mean the debt will never affect your credit.

Credit Builder Product — Full Reporting

Brigit offers a separate credit builder product with the following features :

• No hard credit pull
• No credit score required
• No interest
• No minimum deposit required
• Reports payment history to all three credit bureaus — Experian, Equifax, and TransUnion

When you use the credit builder product, on-time payments will help you build credit. Late payments will hurt your credit.

Step-by-Step Action

• Step 1: If you are using Brigit to build credit, use the credit builder product — not cash advances.
• Step 2: Make payments on time every month. Late payments on the credit builder product will hurt your credit.
• Step 3: For cash advances, understand that repayment does not help your credit. Only use cash advances when you have no other option.
• Step 4: Check your credit reports regularly to ensure no erroneous information has been reported.
• Step 5: If you default on a cash advance and the debt is sent to collections, negotiate with the collection agency to prevent them from reporting the debt.