Turn Rent and Bills Into Credit

Millions of on-time payments never touch a credit file because landlords and utilities don't report to the bureaus by default. Rent- and bill-reporting services fix that.

How it works

1. You verify a recurring payment (rent, phone, utility, streaming).
2. The service reports that payment history to one or more bureaus.
3. On-time payments become positive tradelines on your report.

Who it helps most

• People with thin files (little credit history).
• Anyone rebuilding after a rough patch.
• Renters who want their biggest monthly payment to finally count.

In your member portal, the Credit Builder module lets you enroll rent and bill reporting once your plan supports it.