Light Up Your Score, One Utility at a Time
Level up your credit with bills you’re already paying, like your phone, water, power, and gas bills.
Get Credit for the Bills You Already Pay
Boost your credit by reporting on-time payments for your gas, phone, and electric bills to the major credit bureaus, building your credit without taking on more debt.
CreditBuilderIQ helps you build your credit the way you deserve by reporting your on-time utility bill payments to the three major credit bureaus.
Easy Utility Payment Reporting
Simply connect your accounts directly from the CreditBuilderIQ platform, and we take care of the rest.
Positive [Payment] Vibes Only
Only on-time, positive utility bill payments are reported – so you don’t have to stress about missed or late payments showing on your credit report.
Get a New Tradeline Without New Debt
FAQs
Questions? We have answers for you!
In most cases, on-time utility payments don’t affect your credit unless you use a reporting service like CreditBuilderIQ.
Since most utility bills aren’t automatically reported to the credit bureaus, you need to use a reporting service like CreditBuilderIQ to add utility bills to your credit report.
Utility payment reporting allows you to report eligible utility payments (like gas, electricity, water, and phone) to the major credit bureaus. For CreditBuilderIQ members, you simply link your bank accounts from your secure member portal, select which payments are for utilities, and we’ll handle reporting your confirmed payments on a monthly basis.
Currently, CreditBuilderIQ can help you report utility bills for gas, electricity, water, and phone (including mobile and landline).
Results may vary. CreditBuilderIQ℠ services are 100% U.S.-based. CreditBuilderIQ provides credit report information from Experian, Equifax and TransUnion. CreditBuilderIQ does not provide credit counseling services and does not promise to help you obtain a loan or improve your credit record, history, or score. CreditBuilderIQ 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.
Results may vary. Some members may not see an increased score or increased creditworthiness. Lenders use a variety of credit scores and may make decisions about your creditworthiness based on a credit score different from those impacted by positive rental and utility reporting.
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