Average score increases 30 - 50 points*
Bills paid.
Credit raised.
Don’t need loans. Don’t need credit cards. Don’t need the BS. Stop borrowing for a better score and start building it with the life you already live and bills you already pay.
Raise my Score Now
See How it Works
No credit check
Setup in 2 minutes
Cancel anytime
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feature
MyCreditScoreIQ
Competitor
No credit card required
Get credit for money you are already spending
No annual fees
Start building credit immediately
No spending requirements
Rent reports to all 3 bureaus
(3-Bureau plan only)
Rent rewards credit cards require you to apply for a new card, pay annual fees, and manage another line of credit. We just report the bills you are already paying. No gimmicks. No extra steps.
WHAT counts
Here's the deal.
These bills build credit.
You pay rent and utilities every single month. On time. Like clockwork. 
But none of it helps your credit score. That's insane. We fix that.
We report your payments to Experian, Equifax & TransUnion
Rent
Monthly rent
Electric
Power bill
Water
Water & sewer
Gas
Natural gas
Phone
Cell phone bill
35%
of your credit score is
payment history
100%
of your bills can now
count toward that
$0
extra spending. No debt.
Just your normal life.
Here's the truth: Credit cards want you to spend money. We just want you to 
report the money you're already spending. That's the difference.
FEATURES
The credit hack
nobody told you about.
Traditional credit is rigged. We're changing the game.
Build Real Credit
Connect your accounts in 2 minutes and your rent and utility payments report to all major credit bureaus. Every. Single. Month.
Already Paying Anyway
Don't go into debt to build credit. Use the bills you're already crushing every month.
Instant Setup
Use ScoreTracker to watch your score do what it should’ve been doing all along: going up.
Bank-Level Security
Your data is encrypted and protected. We take security seriously so you don't have to.
Set It & Forget It
Automatic reporting means you build credit while you sleep. Literally zero effort.
See Results Fast
Most users see score improvements within 30-60 days. Real results, real fast.
HOW it works
Incredibly Simple.
That's the point.
No complicated sign-up flows. No confusing jargon. Just results.
01
Connect Your Accounts
Link your bank account and sync your rent payments and utilities in under 2 minutes. Bank-level security keeps your info safe.
02
We Report, You Chill
Every positive rental payment gets reported to Experian, Equifax, and TransUnion. And your utilities gets reported to TransUnion. Automatic. Monthly. Like clockwork.
03
Watch Your Score Climb
Track and monitor your score progress in real-time. Most people see improvements within 30-60 days. That's it.
Average credit score increase: 35–50 points
Testimonials
Real people.
Real results.
No fake reviews. No paid actors. Just people like you winning.
"Finally, a credit builder that doesn't feel like a scam. My score jumped 42 points in 2 months just from paying rent. Wild."
Jordan M.
Age 24
+42 points
"I was tired of being told to get a credit card to build credit. This just makes sense. Pay bills = good credit. Simple."
Alex T.
Age 27
+38 points
"Went from 'no credit history' to getting approved for my dream apartment in 3 months. This app is a cheat code."
Sam K.
Age 25
+51 points
Pricing
Pick your plan.
Start building.
No hidden fees. No surprise charges. Just straightforward value.
Featured Plan
Score Booster
Average credit score increase is 30-50 points in 30-60 days
2-Year Plan
SAVE 50%
$7.50/mo.
Pay $180 today
Choose Plan
1-Year Plan
SAVE 20%
$12/mo.
Pay $144 today
Choose Plan
Monthly Plan
$15/mo.
Choose Plan
Thank you! Your submission has been received!
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Included in all plans:
Real-time credit scores & reports
Credit-boosting utility reporting*
Easy utility account verification
Credit-building rent reporting*
Fast, reliable rent verification
ScoreTracker to watch your progress grow
FAQ
Questions?
We got answers.
No fine print BS. Just straight answers.
Will this actually improve my credit score?
Yes. We report your payments to Experian, Equifax, and TransUnion—the same bureaus that credit cards report to. Your on-time rent and utility payments become part of your credit history, which can significantly boost your score. Most users see improvements within 30-60 days.
Do I need good credit to sign up?
Nope. That's the whole point. We don't do credit checks. This works for people with no credit, bad credit, or good credit looking to improve further. Everyone's welcome.
What if I miss a payment?
We only report on-time payments. If you miss a payment, we simply don't report it—we won't hurt your score. This is a safety net, not a trap.
How is this different from a secured credit card?
You don't need to put down a deposit or go into debt. You're already paying rent and utilities anyway—we just make sure those payments count toward your credit. No borrowing required.
Is my data secure?
Absolutely. We use bank-level 256-bit encryption and never sell your data. Your information is protected by the same security standards as major financial institutions.
Can I cancel anytime?
Yes. No contracts, no cancellation fees. If you want to stop, just cancel. The positive payment history we've already reported stays on your credit report.
Limited Time: 7-Day Free Trial
Stop waiting.
Start building.
Every month you wait is a month of credit history you're leaving on the table. Join 6,000,000+ people building credit the right way.
Get started today
Learn more
• Setup in 2 minutes • Cancel anytime