Build your credit
with every
phone bill.
Affordable wireless that builds your credit. Every bill you pay gets reported to the major credit bureaus — automatically.
Your Credit Score
Simple Credit Building. No Gimmicks.
How It Works
Polar builds credit in 4 steps, start to finish.
Pick a plan
Choose the wireless plan that fits your life — just like subscribing to Spotify or Netflix.
Enroll in Credit Building
Once your service is active, opt in to Credit Building. A quick identity check is all it takes.
We transform your plan
We convert your monthly payment into a credit-building asset. No change in your monthly bill.
Pay on-time, build credit
Payments are reported to the bureaus every month — starting from your very first payment. Miss a deadline? You have a 30-day grace period.
New to credit building?
Polar Mobile is the first phone plan built to build credit. See exactly how it works — including a visual breakdown of what impacts your FICO score.
Simple plans. Real progress.
Powered by T-Mobile's 5G network. No Contracts. Cancel anytime.
Credit Builder
Taxes & Fees Included
- 1GB of premium data
- No credit check
- Build credit with every payment
- Unlimited Talk & Text
- Reports to the bureaus
Credit Unlimited
Taxes & Fees Included
- 15GB of premium data
- No credit check
- Build credit with every payment
- Unlimited data, talk, and text*
- Unlimited hotspot
- Reports to the bureaus
Credit Unlimited Plus
Taxes & Fees Included
- 30GB of premium data
- No credit check
- Build credit with every payment
- Unlimited data, talk, and text*
- Unlimited hotspot
- Reports to the bureaus
*After using your plan's high-speed data, you'll stay connected at reduced speeds—up to 512 kbps for CREDIT UNLIMITED PLUS, supporting video/audio streaming, browsing, navigation, and email; and up to 256 kbps for CREDIT UNLIMITED, supporting audio streaming, browsing, navigation, and email.
FREQUENTLY ASKED QUESTIONS
Have questions? We've got answers.
Polar Mobile gives you reliable wireless service and helps you build credit—at no extra cost. When you make on-time monthly payments, we report that positive payment history to the credit bureaus, helping you strengthen your credit over time.
Polar Mobile is for anyone who wants affordable, reliable wireless and a simple way to build credit at the same time—especially people with thin or subprime credit who want to turn on-time phone payments into positive credit history.
Porting in your phone number is a hassle-free process. If you would like to keep your current phone number, you will have the option to port in your number after signing up. To do so, you will need your account number and PIN information from your previous carrier. You may also follow these steps here.
It can—but it isn’t guaranteed. If you make on-time monthly payments, those positive payments can help build your credit history over time. Your score depends on your full credit profile (like payment history, utilization, length of credit, and any negative items), so results vary by person.
When you pay your Polar Mobile bill on time each month, we report your positive on-time payment history to the credit bureaus. Reporting happens on a monthly cycle after your payment posts, and it may take a few weeks to show up on your credit report.