Straight answers —
including the awkward ones.

We verify the rent, utility and telecom payments you already make, then report them to the credit bureaus as accounts on your credit file — with the payment history you’ve already built attached to them.

Draft this carefully and accurately. The honest distinctions are usually: which bureaus the data reaches, whether it appears as a tradeline other lenders can read, and whether past history is included. Don’t overstate the contrast — a visitor who checks will find out.

Answer plainly. If landlord confirmation is required for rent, say so here and explain what happens when a landlord declines or doesn’t respond — including whether the customer is charged.

Rent, plus electricity, natural gas, water and mobile phone service. The account has to be in your name and the payments have to be verifiable with whoever received them. Add any exclusions: internet, streaming, insurance, accounts paid by roommates.

Name the bureaus explicitly. Then explain which scoring models read rental and utility tradelines and which don’t — classic FICO does not capture rent at all. Being precise here is a trust signal; vagueness reads like every other site in this category.

Typically about a week after verification is complete. It’s fast because we’re not asking anyone to reconsider a decision — we’re reporting payments that already happened. The only delay is the bureaus’ normal update cycle.

The single most important answer on this page. State exactly whether late payments are reported. Whichever the policy is, say it in the first sentence rather than after a paragraph of context.

Probably not much. Adding positive history doesn’t offset a recent collection, and we can’t remove one. If that’s your situation, the honest answer is that this service isn’t the thing standing between you and a mortgage.

Where it does the most work is on a file that’s thin or unscored — where the problem isn’t what’s on the report, but what was never put there. See who this works for.

No. Signing up doesn’t involve a credit pull of any kind, so there’s no inquiry on your report and no effect on your score from enrolling. Confirm this is true of every step, including verification partners.

This is the highest-stakes question on the site. Answer it with the rollout nuance rather than hype: federal housing regulators approved scoring models in 2026 that read rent and utility data, a growing set of lenders can use them, and adoption is still expanding. Link to the HUD and FHFA announcements directly.

Say what’s true precisely, including the limits. Precision here is worth more than enthusiasm.

A file that gains several accounts at once, all from one furnisher, can look unusual to a manual underwriter — even though every account is legitimate and years old. We give you a one-page explainer you can forward to your loan officer covering how the accounts were verified and why the history predates the reporting date. Link the explainer here.

No, and anyone who tells you otherwise is selling you something. Underwriting weighs income, debt-to-income ratio, down payment, employment and property, not just credit. What we do is make sure the payment history you already have counts in the part of that picture where it belongs.

Name the verification partner, describe exactly what’s accessed and for how long, say whether credentials are stored, and state plainly that data is never sold. Vague reassurance is worse than saying nothing.

We confirm each payment with the party that received it rather than taking your word for it. That’s what makes the data furnishable under the FCRA, and it’s the answer we’d give a bureau or a lender who asked. Describe the actual methods.

Explain the deletion request process, what can be deleted, and what must be retained under FCRA recordkeeping rules. Note any state-specific rights.

A one-time setup fee plus a flat monthly fee to keep the accounts reporting. Nothing is priced on results. Full pricing.

Answer this one first and clearly — it’s the most suspicious-feeling unknown in the category. Does the reported history stay on the file? Does it stop updating? Say exactly what happens.

Describe a cancellation path that takes one step and doesn’t involve a phone call. A subscription that wouldn’t end is one of the three things that burned people who tried credit repair.

If we don’t get your accounts reported to all three bureaus within X days, we refund the setup fee. We guarantee the deliverable. We will never guarantee a credit score, because that isn’t ours to promise.