Do I need good credit history to join?

Do I need good credit history to join?

Not necessarily. We want to make StepLadder as accessible as possible, so have designed a "Credit Builder" status for people with lower credit scores to be able to join a Circle. If you fall into this category we'll discuss this with you before you join, but essentially there would be a delay on when you are eligible to be drawn in your Circle. Don't forget that joining a StepLadder Circle could improve your credit rating if you make your monthly payments on time, as we report your payments to the credit bureau. Having a better credit score can help when you apply for a mortgage. Please be aware that missed or late payments may have an adverse effect on your credit score. Find out more here.