Add rent, cell phone & utility payments to your credit score.

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More mortgage approvals if rent were included in a credit report - Fannie Mae

How to build credit using your bills

Connect to your bank account

Sign up and login securely to your bank account.

We'll find your bills

Using your rent, cell phone, electric, water and gas payments.

Your credit score grows

Adding those payments to your credit profile as new accounts, you’ll see your score grow.

Level Credit UI

How does LevelCredit work?

Glad you asked… building credit is now easier than you thought.


Build your score without debt

  • Uses bills you’re already paying
  • Build without debt (credit cards, loans, etc.)
  • Credit monitoring from


  • Included $1M Identity Theft Insurance

Use payments you’re already making

  • Rent payments
  • Cell phone
  • Electric, water & gas utilities
  • Add them all for $6.95/mo
  • Get started
152 increase
"Reporting my rent boosted my credit score which in turn helped with my auto refinancing. Saved me over $8,000."
Nnamdi A.

What users say about LevelCredit


It has helped boost my score over 100 points. Something I have always thought should be reflected on our scores.

Rebecca D.

I’ve been amazed at the difference that this has made! My credit score has increased 59 points in three months and I’m just doing what I have been doing for years.

Cynthia T.

Frequently asked questions

  • How does this service work?

    You simply continue to pay your rent, cell phone and utilities the same way that you always have. This could include direct deposit, your utility provider or property manager's online payment portal, Venmo, Zelle, or PayPal. You will need to connect to the bank account you use for these payments, and confirm the payments we have detected. LevelCredit will automatically search for these payments each month using advanced matching technology, and send them to major credit bureaus as we find them.

  • Which bureaus does LevelCredit report to?

    LevelCredit reports rental payments to all three bureaus; Experian, Equifax, and TransUnion.

    • Bureaus consider the account as a "Rental Agreement"

    LevelCredit reports utility payments (Gas, Electric, Water, and Wireless) to TransUnion

    • TransUnion considers the account for Gas, Electric, and Water as "Utility Company"
    • TransUnion considers the account for Wireless as "Telecom/Cellular"
  • Can I add cash payments to my credit report?

    Due to credit bureau requirements, we cannot add cash payments to your credit report.

  • Can I add payments I made more than a month ago?

    LevelCredit will automatically search for any previous payments from the bank account you have connected to LevelCredit. We will show you which months are available, and you will have the option to add those payments all at once to your credit report for a one-time fee.

Have more questions?