How Build It works
Find your payments
We start by securely connecting to your bank account to identify your rent & utility payments
Report your payments
Next, we facilitate a connection with the credit bureaus so that your payments are reported
Build up your report
Your payments should then show up on your credit reports and lead to a stronger credit profile
Better than basic reporting
We’re not the only company to offer rent and utility reporting. But we are the only company to combine it with total credit coverage through our five incredible tools.
|No sign up fee|
|Credit building offers|
|Four additional ExtraCredit features|
Get credit for bills you already pay.
Charge you more to do less.
Build It is just one of five incredible tools within ExtraCredit.
Five features. Total credit coverage.
- $5 sign up bonus
- Actual cash rewards
- Personalized offers
- 28 FICO® Scores
- All three bureau reports
- Credit monitoring
- Exclusive discount to one of the leaders in credit repair who works with all three bureaus and your creditors
Take your credit to the next level with ExtraCredit
How much does ExtraCredit cost?
ExtraCredit costs $24.99/month and you can cancel anytime.
While Build It only covers one part of your credit, ExtraCredit has four additional tools to help you protect your identity and take control of your financial future.
See why so many are choosing ExtraCredit
Coming from a different country, establishing my credit took a lot of work. ExtraCredit takes care of all parts of my credit. I like that I can build and protect it at the same time.
People talk about credit scores like there’s only one, but that’s just not true. I love that ExtraCredit shows me 28 different scores and was shocked to see a 40-point difference between two of them.
I can access all three of my credit reports every month with ExtraCredit. I like having access to all that important information at my fingertips.
I pay my rent every month and it’s great that I can finally get credit without owning a home. It's nice to see tradelines get added to my credit report.
I am new to credit and Extra Credit will help me build my credit score and manage all aspects of my credit in one place.
Trying to manage my credit across five different apps was a nightmare. ExtraCredit puts everything in one place and makes staying on top of it easy. I finally feel like I’m in control of my credit.
*While ExtraCredit was in its early stages we had employees, friends and family trying it out. These are their testimonials based on that experience.
Credit isn’t just our name—it’s everything we are
Credit.com was established in 1996 to empower consumers with important credit and financial information. Now, we’re taking that even further with ExtraCredit.
There’s a reason so many people continue to rely on Credit.com for all their credit monitoring needs—because it works.