Get credit where credit’s due with by

Report your payments with Build It, one of five incredible credit tools.

  • Get credit for bills you’re already paying
  • Add new tradelines to your reports
  • Get other credit building offers

Get started with one month free*

Get credit for paying your
on time.

43 million people in America pay rent. Most don’t report their payments. If you pay rent, it’s time to get the credit you deserve.

With Build It, you can report things like rent, utilities and even your phone bill as credit tradelines.

How Build It works

track your score

Find your payments

We start by securely connecting to your bank account to identify your rent & utility payments

build your score

Report your payments

Next, we facilitate a connection with the credit bureaus so that your payments are reported

get rewarded for your score

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.

  ExtraCredit Rentreporters
No sign up fee
Credit building offers
Four additional ExtraCredit features


Get credit for bills you already pay.

Basic Competitor

Charge you more to do less.


Everything you need to master your credit.

Build It is just one of five incredible tools within ExtraCredit.

Five features. Total credit coverage.

  • $1M ID insurance
  • Dark web monitoring
  • Proactive security alerts
    • $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.

    *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

    Created over

    20 years

    ago 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 for all their credit monitoring needs—because it works.

    Free Trial

    Get your first month free