Flex Credit Account Agreement
Last Updated: February 23, 2026
This Credit Account Agreement (“Agreement”) governs your Flex Credit Boost Account (“Account”), managed by FinFi Trust Co, LLC (“FinFi Trust,” “we,” “us,” or “our”), a Delaware limited liability company and subsidiary of GOFINFI Corporation. Accounts are originated by Pacific Place Financial, Inc. (Pacific Place Bank or other partners).
By opening or using your Account, you agree to be bound by this Agreement, the Terms of Service, and the Privacy Policy.
1. Account Description
Your Flex Credit Boost Account is a credit-building account designed to help you establish or improve your credit history. The Account is not a credit card, debit card, savings account, or loan. Your Account tradeline cannot be used to make purchases outside of the Flex platform.
Your Account will be reported to all three major consumer reporting agencies (Experian, TransUnion, and Equifax) to help you build positive credit history through on-time payments.
2. Account Opening
To open an Account, you must:
- Meet the eligibility requirements in the Terms of Service;
- Successfully complete identity verification;
- Select and pay for a subscription plan; and
- Agree to this Agreement and related terms.
3. Credit Line
Upon enrollment, you will receive a credit line based on your selected plan tier. Credit line amounts vary by plan and are disclosed during enrollment. Your credit line is exclusively for credit-building purposes within the Flex platform and cannot be withdrawn as cash or used for external purchases.
4. Payment Terms
4.1 Monthly Payments
You agree to make payments according to your selected subscription plan. Payment amounts and due dates are disclosed during enrollment and in your account dashboard.
4.2 Payment Methods
Payments are processed through the payment method you provide during enrollment. You may update your payment method at any time through your account settings.
4.3 Late Payments
Late or missed payments will be reported to the consumer reporting agencies and may negatively impact your credit score. It is your responsibility to ensure payments are made on time. We encourage you to enable Autopay to avoid missed payments.
5. Credit Reporting
We report your Account activity, including payment history, account status, and balance information, to Experian, TransUnion, and Equifax. Reporting typically begins within the first week of account opening and occurs on a daily basis thereafter.
We cannot guarantee how consumer reporting agencies will process or reflect your reported activity, or how it will affect your credit score. Credit scores are determined by the reporting agencies based on multiple factors beyond our control.
6. Account Closure
You may close your Account at any time by canceling your subscription through your account settings or by contacting us. Account closure takes effect at the end of your current billing period. Upon closure, your Account will be reported as closed in good standing (provided all payments are current).
Subscription payments are non-refundable. This is not a secured card or credit builder loan — you do not receive money back upon account closure.
7. Backdate History
If you link your bank accounts, Flex may use alternative data sources (such as recurring payment history from your bank account) to enhance your credit profile with Backdate History. This feature is available after 6 or more months of successful recurring payments and is subject to verification.
8. Disputes
If you believe any information reported about your Account is inaccurate, you may contact us at disputes@finfi.app or file a dispute directly with the consumer reporting agency. See Section 8 of the Terms of Service for full dispute procedures.