Do I need to sign a Credit Builder contract? May 11, 2022 21:56 Updated Yes! When you apply for Credit Builder, you will need to sign a Credit Builder agreement. Related articles Why can't I verify my identity for Credit Builder? I want to cancel Credit Builder, what do I do? Who is Refresh Solutions Inc and why does my Credit Builder contract reference them? How long is the Credit Builder term? Why do you need my banking information for the Credit Builder?