Get credit for the bills you already pay

Credit Reporting

Layer positive data into your reports so scores climb steadily. Start with rent and utilities, then add safe builder tools when your budget is ready.

Step-by-step walkthrough for Experian, Equifax, and TransUnion.

Compare services, see costs, and prep documents so the data sticks.

Secured cards, builder loans, and momentum habits that report fast.

How to stack reports

1. Pull all three reports
Spot gaps, late marks, and accounts that are missing entirely.
2. Add what is missing
Start with rent and utilities. Use builder cards or loans when cash flow allows.
3. Monitor updates
Check for posting within 30–60 days. Follow up if data does not appear.
4. Protect progress
Keep utilization low, set autopay, and update addresses so bureaus match.