Don't settle for anything less than ExtraCredit®

  • Report your rent and utility payments
  • Get tradelines
  • Access a personalized Credit Report Card
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How Build It works

track your score

Find your payments

We start by working with you to identify your rent & utility payments through your bank account.

build your score

Report your payments

Next, we facilitate a connection with the credit bureaus to get your on-time payments reported.

get rewarded for your score

Add more to your report

Your rent is reported to all three major bureaus and your utilities are reported to Experian and TransUnion - this could lead to a stronger credit profile.

Get credit for paying your
on time.

43 million people in America pay rent. If you're one of them, add your payments as tradelines to your credit report and get the credit you deserve.

Start reporting

Five features. Total credit coverage.

Build It is just one of five incredible tools within ExtraCredit.

Don't settle for anything less than EXTRA & sign up for ExtraCredit today

Sign up now

ExtraCredit can help you understand, build & track your credit

You shouldn't need five different apps to monitor and manage your credit. And now you don't. With ExtraCredit, you get everything your credit needs at an affordable monthly payment.

Build It
Rent reporting
to bureaus
Utility reporting to
Experian and TransUnion
Personalized credit
profile-building offers
$10 value
Track It
28 FICO® Scores &
three bureau reports
Specific credit scores
for auto & mortgage
Personalized Credit
Report Card
$25 value
Guard It
1 Million ID Insurance
Dark web monitoring
ID alerts
$25 value
Reward It
Actual cash rewards
as high as
Restore It
Exclusive discount to one of the leaders in credit repair who works with all three credit bureaus and your creditors
†Where available
$25 value

Don't settle for anything less than EXTRA & sign up for ExtraCredit today

Sign up now

Better Than Basic Reporting

We’re not the only company to offer rent and utility reporting. But we are the only company to combine it with four other credit tools.

  ExtraCredit Rentreporters
Rent reporting to all three bureaus
Utility bill reporting to Experian and TransUnion
Credit profile building offers
Four additional ExtraCredit features


Get credit for bills you already pay.

Start your free trial

Basic Competitor

Charge you more to do less.


Everything you need to master your credit.

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How much does ExtraCredit cost?

ExtraCredit costs $24.99/month and you can cancel anytime.

While Build It only covers part of your credit, ExtraCredit has four additional tools to help you protect your identity and take control of your financial future.

Start your free trial