Utility payment reporting gives you the ability to build credit by reporting monthly utility payments to major credit bureaus. Your on-time payments, and potentially up to 24 months of past payments, appear as a credit tradeline to help increase your credit scores. Larger utility bills may have an even greater positive impact on your scores.

Reporting your on-time utility payments to the credit bureaus can help improve your credit score by demonstrating a history of on-time payments, which can increase your creditworthiness.

On-time utility payment reporting can give you access to credit. A higher credit score resulting from on-time utility reporting can lead to greater access to credit and financial opportunities, such as approvals for credit cards, loans and other lines of credit. Not only do higher credit scores give you access to more credit but can lead to credit approvals with lower interest rates and fees, saving you money.

Adding on-time utility payments to your credit history can help provide a more comprehensive view of your credit history and overall creditworthiness. Utility reporting can help individuals with limited credit histories or no credit history establish and build credit by providing alternative credit data.

We only report on-time utility payments. Your missed or late payments aren’t reported.