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® The Empower name and logos are trademarks and service marks (collectively, the “Empower Trademarks”) owned by Empower Finance, Inc. You do not acquire a license or any ownership rights to any trademarks, service marks, or trade names through your access or use of the Empower app or platform product or service.

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Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. Empower Thrive provided by FinWise Bank, Member FDIC.

* Sources: Experian, CFPB, MarketWatch

^ Credit scores below 700 are considered poor or fair and are typically subject to unfavorable conditions like higher interest rates and lower borrowing limits.

† “Invisible” means credit activity that isn’t reported to the credit bureau and therefore not included in the consumer’s credit score. “Unscorable” means the consumer has a limited or thin credit file and therefore no credit score, and credit agencies aren’t able to determine credit risk.