Frequently asked questions

Make your cell phone, rent & utility payments count - starting today.

  • How does this help my credit?

    Once verified, the payment information will be sent to the credit bureaus within 24 hours. Once received it typically takes the bureaus 2-3 weeks to add the payment information to your credit report.

  • Will it hurt my credit if LevelCredit doesn't find a payment by the due date?

    LevelCredit reports only positive data to the credit bureaus. If there is a month where a rent payment is not found, LevelCredit will not report any data to the credit bureaus that month. This will not negatively affect your score.

  • What if I pay a different amount each month?

    No problem. You might pay a slightly different amount each month if your utilities are included in your rent, or if you have to pay an additional fee to your landlord. Although your base rent is what we report as paid to the bureaus each month, you can still match a transaction for slightly more or less. Keep in mind that if your rent amount is very different from the initial transaction you match, you may have to log in and re-match your next transaction. We are committed to reporting accurate information only. If we detect fraudulent reporting, your tradeline will be removed.

  • Can my spouse/roommate/family member build credit too?

    Yes. They will need their own, separate LevelCredit account and subscription. They will also need to be able to log in to the bank account where the transactions are paid. If you both make a payment from the same bank account, they must be a cosigner on the account. If you each pay a portion of the rent from different accounts, it’s even easier. They just log in using their own bank account and match their portion of the payment.

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  • What payments can I add to my credit report?

    With a single LevelCredit subscription, you're able to add your rent, cell phone, electric, water and gas payments each month to major credit bureaus.

  • 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.

  • How long does it take to add my rental payments?

    Once verified, the payment information will be sent to the credit bureaus within 24 hours. Once received it typically takes the bureaus 2-3 weeks to add the payment information to your credit report.

  • 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.

  • Can you use cash payments?

    We cannot use cash payments at this time. We apologize for the inconvenience.


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Add monthly payments to your credit score

Key Features

  • Adds rent, cell phone and utility payments
  • Major credit bureaus
  • Track score building
  • Credit score insights
  • $1M Identity Theft Insurance

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Adds up to 2 years of past payments

Key Features

  • Build credit fast
  • Finds past rent, cell phone and utility payments
  • Bundle up to 24 months past payments
  • One-time fee
  • Big average score increase

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