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

Used RentTrack in the past?

  Use your RentTrack email & password to login to LevelCredit.

  Connect your bank to see which payments you can add to your score.

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How to build credit using your bills

Connect to your bank account

Signup 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


  • Includes $1M Identity Theft Insurance

Use payments you’re already making

  • Rent payments
  • Cell phone
  • Utilities; Electric, Water & Gas
  • Add them all with your LevelCredit subscription

Add 2 years of past payments

$1M Identity Theft Insurance & Restoration - backed by Transunion. 

Criminals can get a payday loan in your name, even file tax returns. Identity theft is a serious issue, so we're including a serious benefit.

  • ZERO Deductible $1M Identity Theft Insurance
  • Access to a Personal Case Manager
  • 7 Year Extended Fraud Alerts
  • Police Reports Completed
  • One-to-One Guidance
  • 100% Guaranteed Credit Restoration

Fraud is on the rise


US victims of fraud


Up year over year


U.S. adults experienced fraud


Hours resolving fraud

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Get the credit you deserve ™

Put the payments you're already making to work on your credit score -- without taking on new debt.

Reporting rent
Reporting rent


  • Automatically sends info to the major credit bureaus
  • Credit score & insights with financial education
  • Track your score progress as you build
Get started now
152 increase
"Reporting my rent boosted my credit score which in turn helped with my auto refinancing. Saved me over $8,000."
Nnamdi A.

Frequently asked questions

  • How long does it take to add my payments?

    LevelCredit will report your payment to the bureaus the next day after the payment has been verified. It usually takes at least two weeks for the credit bureaus to update your credit report.

  • How does this service work?

    You may continue to pay your rent (and/or utilities) the same way that you always have. This could include direct deposit, your 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. Our system will automatically search for these payments each month using advanced matching technology, and report them to major credit bureaus as we find them. There is a monthly subscription fee each month to verify and report this payment.

  • Can I use cash payments?

    LevelCredit cannot use cash payments at this time. LevelCredit apologizes for the inconvenience.

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

    Our system 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 up to 24 months past payments for a one-time $49.95 fee.

Have more questions?