Build Credit Fast With
Your Everyday Bills
No loans. No credit cards. Just the rent and utilities you already pay, reported monthly to help elevate your credit score with real-time tracking.
Financial Tools Designed For Real Life
Reporting your rent and utility payments can accelerate score growth and open the door to approvals and financial freedom faster than traditional methods alone.
One Subscription, Unlimited Credit Building Potential.
One app designed around your real-life habits, turning everyday payments into meaningful credit progress and lasting financial confidence.
Credit Building That Fits Your Real Life
MyCreditScoreIQ makes it easy to use the payments you already make every month to build the credit you deserve. No extra effort, no lifestyle changes, just smarter credit building designed around real people and real habits.
Credit Building That Fits Your Real Life
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Credit Building That Fits Your Real Life
MyCreditScoreIQ makes it easy to use the payments you already make every month to build the credit you deserve. No extra effort, no lifestyle changes, just smarter credit building designed around real people and real habits.
Credit Building That Fits Your Real Life
MyCreditScoreIQ makes it easy to use the payments you already make every month to build the credit you deserve. No extra effort, no lifestyle changes, just smarter credit building designed around real people and real habits.
Feature one
Feature one
Join With Ease and Start Strong
Your membership begins with a quick, easy signup. No complicated setup, no credit checks. Get instant access to your current credit scores and learn how you can strengthen your credit, replacing guesswork with a clear, smarter path forward.
Feature two
Feature two
Put Your Everyday Bills to Work
Simply link your rent and utility accounts through our secure platform. We detect your recurring payments automatically and prepare them for reporting, transforming your everyday bills into real credit growth without any extra work from you.
Feature three
Feature three
Get the Credit History You Deserve
MyCreditScoreIQ reports your verified rent and utility payments to TransUnion, giving you the same credit-building advantage homeowners get from their mortgage. Your consistency finally counts, building you a stronger credit profile with every on-time payment.
Feature four
Feature four
Track Progress and Stay Motivated
With your 1B credit report, scores, and an easy-to-read score tracker, you can see how your everyday payments make a real impact. Learn how to build credit smarter, spot opportunities for improvement, and stay in control of your financial future.
Your Credit Should Support Your Dreams
You work hard, pay your bills on time, and deserve credit that reflects your real life. MyCreditScoreIQ helps you turn the payments you already make into the credit strength needed to pursue meaningful goals. When lenders see your true financial habits, you gain the power to move toward the future you want with confidence. Building your credit may help you:
- Qualify for the credit cards and loans you’ve been reaching for
- Unlock better rates that save you money long-term
- Build the financial profile needed for bigger goals like a car or mortgage
Your Everyday Payments Equal Your Credit Breakthrough
Transform your rent, utilities, and daily habits into lasting credit strength with one simple membership.
1. Past payments may not be eligible for reporting. Only verified rent and utility payments can be submitted to participating credit bureaus.
2. Reporting does not guarantee an increased credit score. Impact varies based on credit history and lender criteria.
3. MyCreditScoreIQ does not provide credit counseling services and does not promise to help you obtain a loan or improve your credit record, history, or score. MyCreditScoreIQ is not responsible for the content, accuracy, or completeness of your credit reports. Not all lenders use Experian, Equifax, or Transunion credit files. The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different than the VantageScore® 3.0 model to assess your creditworthiness.
4. Additional terms and conditions may apply.