Build Your Credit Profile with by credit.com
Report your monthly payments with Build It, one of five incredible credit tools
- Build your credit profile by adding new tradelines to your reports
- Add rent and other bills to your credit profile so you get credit for bills you’re already paying
- Get other credit building offers
Get started with one month free*
Make your on-time
payments show on your credit profile.
Building credit doesn’t start and end with your credit card or loan payments. In fact, your credit history is probably missing a few simple payments that could add more to your credit and impact your credit score.
43 million people in America pay rent. Many aren’t getting credit for their on-time payment history. If you pay rent and utilities on time, it's time to get them added to your credit profile to show your good payment history. In fact, payment history is one of the biggest contributors to your credit score.
With Build It, you can add your monthly payment for rent, utilities, and even your phone bill as credit tradelines on your credit report. No need to contact your lender to get them to do it for you.
If you have bad credit or poor credit, rent reporting can help you add more to your credit history and help you work your way up to a good credit profile. Get started with one month free*
How Build It works
Connect to your financial institution
We start by securely connecting to your bank account to identify your rent payments & utility payments. In fact, we look through your payment history so each qualifying past monthly payment can be used to help build your credit profile.
Establish credit reporting for your payments
Next, we facilitate a connection with each credit reporting agency so that your payments are added to your credit report. This way you don’t have to depend on your landlord to do it for you.
Build up your credit profile
Your payments should then show up on your credit report and lead to a stronger credit profile. We’ll continue to send your payment history to the major credit bureaus so you can continue to build credit by adding your payments to your credit history.
Better than basic reporting
We're not the only company to offer rent and utility reporting. But we are the only company to combine this way to build your credit profile with total credit coverage through our five incredible credit coverage tools.
Potential benefits of working to build your credit
Working on your credit can open up a lot of different financial opportunities.
Learn more about building credit:
Build It is just one of five incredible tools within ExtraCredit.
Five features. Total credit coverage.
- $5 signup bonus
- Actual cash rewards when approved by a lender
- Personalized credit card, personal loan, and auto loan offers
- 28 FICO® Scores
- Your credit report from each credit bureau
- Credit monitoring
- Exclusive discount to one of the leaders in credit repair who works with all three bureaus and your creditors, where available.
Don’t settle for anything less than 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 positive 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 our dedication to helping individuals build credit 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.