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Perpay+ FAQs | Perpay Perpay+ is designed to help you establish and grow your credit history in a simple, low-cost way When you enroll, you’ll receive up to a $1,000 Marketplace Spending Limit that’s reported to all three major credit bureaus—Experian®, Equifax®, and TransUnion® Adding this Spending Limit to your credit profile can positively impact your credit score over time