After you enroll in ongoing utility reporting—either as a standalone product or included with rent reporting—you’ll receive access to your Customer Portal. When you log in for the first time, a guided setup wizard walks you through everything step‑by‑step. You start by entering your first address and selecting whether you still live there. Then you choose which utilities you want reported and whether you want your cell phone included. You select your provider from the dropdown or manually enter the name, then enter your account number exactly as it appears on your bill. If you purchased the Past Reporting add‑on during enrollment, the wizard will automatically ask whether you have a previous address and will collect the utilities for that location as well. Once setup is complete, you connect the bank account you use to pay those utilities, upload your photo ID if you haven’t already, and upload the most recent bill for each utility. As soon as your transactions download and your documents are uploaded, our compliance team verifies everything and activates your reporting to TransUnion.
If your utility provider changes your account number, you’ll need to contact our support team so we can update it for you. Once a utility account is reporting, the system locks the account to protect the integrity of your TransUnion tradeline, so customers cannot make changes on their own. After you notify us, we update the account number internally, re‑verify the utility using your most recent bill and payment history, and keep your reporting history intact without interruption.
Yes. During the setup wizard, you can add multiple utilities for your current address as part of your ongoing reporting. If you purchased the Past Reporting add‑on at enrollment, the wizard will also ask whether you have a previous address and will collect the utilities for that location as well. Each utility—electric, gas, water, and mobile phone—gets its own account entry, its own verification, and its own tradeline. You enter the provider name and account number for each one, upload the most recent bill for each, and connect the bank account used to pay them. Every eligible utility reports as its own positive tradeline to TransUnion, giving you more depth and more on‑time payment history in your credit profile.
If you have an active ongoing rent reporting subscription and you are enrolling now, utility reporting is available during the enrollment process and can be set up at that time. The setup wizard will guide you through adding your utilities, entering your account numbers, connecting the bank you use to pay those bills, and uploading your most recent statements. If you purchased the Past Reporting add‑on during enrollment, the wizard will also collect your previous address and utilities. Once your transactions download and your documents are uploaded, our compliance team completes the verification and your utilities begin reporting to TransUnion on your next cycle.
For customers who enrolled before utility reporting was offered, the feature is not automatically enabled. These customers can contact us to discuss adding utility reporting to their account, and our team can turn it on inside their Customer Portal so they can complete the setup. Utility reporting must be activated during enrollment or manually enabled by our support team for accounts created before this feature was available.
If you’re not enrolled in rent reporting, you can purchase utility reporting as a standalone product. Ongoing reporting is available at $6.95 per month or $49.00 for the yearly plan. If you want to add past history, you can purchase the Past Reporting add‑on for a one‑time fee of $59, which covers up to the last 24 months of eligible utility payments. We also offer expedited service for $49.00 if you want your account reviewed and activated faster. All pricing is shown during checkout, and once you complete enrollment, your Customer Portal will guide you through adding your utilities, connecting your bank, and uploading your documents.
Utility reporting is included at no additional cost for customers who enroll in an active ongoing rent reporting plan and set up their utilities during the enrollment process. The setup wizard will guide you through adding your utilities right alongside your rent information. If you also purchased the Past Reporting add‑on during enrollment, the wizard will collect your previous address and utilities at the same time. Once your transactions download and your documents are uploaded, our compliance team completes the verification and your utilities begin reporting to TransUnion on your next cycle.
For customers who enrolled before utility reporting was offered, the feature is not automatically enabled. These customers can contact us to discuss adding utility reporting to their account, and our team can turn it on in their Customer Portal so they can complete the setup.
There are no hidden fees. Ongoing utility reporting is billed at the plan you choose during enrollment, and if you decide to add past history, the Past Reporting add‑on is a one‑time charge that covers up to the last 24 months. If you want your account reviewed faster, expedited service is available for an additional $49. There are no cancellation fees, and you can stop ongoing reporting whenever you choose. Once reporting begins, your utility accounts are locked to protect the accuracy of your TransUnion tradelines, so any changes need to be handled by our support team. If you ever run into an issue with your purchase, our Fairness Guarantee outlines how refund requests are handled and what qualifies for review.
When you purchase standalone utility reporting, you receive the same free credit tools that come with our rent reporting plans. With an ongoing utility plan, you get a monthly VantageScore 3.0, a monthly Equifax credit report, and ongoing score tracking with score factors included at no extra cost for as long as your plan stays active. If you choose the Past Reporting option without ongoing service, you still receive the same free credit tools, but they are provided as a 30‑day trial tied to that purchase. Your Customer Portal stays available so you can manage your utilities, upload documents, and track your verification and reporting status.
Utility reporting appears on your credit report as a positive payment history tradeline for each eligible utility you add and verify. These tradelines show your account name, the type of utility, your open date, your past and current payment history, and your ongoing monthly updates. Utility reporting is furnished to TransUnion only, and it appears in the same section of your TransUnion report where other third‑party payment data is listed.
Utility reporting can help your credit score by adding verified payment history to your TransUnion file, which gives scoring models more positive data to work with. Customers who have thin or limited credit histories often see the most benefit because the added payment history helps strengthen their overall profile. There isn’t an industry‑published average or a guaranteed number for utility reporting, since scoring models weigh this type of data differently for each person. Once your utilities are verified and your tradeline is sent to TransUnion, most customers see it appear on their report within the next reporting cycle, and any score changes typically follow once TransUnion processes the update.
Utility reporting is a positive‑only tradeline. We do not report late payments, missed payments, shut‑offs, or any negative activity. If you fall behind on a utility bill, nothing negative is added to your credit through our service. For any month where we cannot verify an on‑time payment, we simply do not report data for that month. Once new on‑time payments are available again, those months are added and reporting continues normally.
Utility reporting and rent reporting both add verified payment history, but scoring models treat them differently. Utility reporting is furnished only to TransUnion and is used in scoring models that accept alternative data, such as VantageScore 3.0 and newer models that incorporate third‑party payment information. Rent reporting is furnished to all three bureaus and is recognized by a wider range of scoring models, including FICO 9, FICO 10, FICO 10T, and VantageScore 3.0 and 4.0. Both help build positive payment history, but rent reporting has broader scoring coverage across more models, while utility reporting strengthens your TransUnion file specifically.
To report utility payments, the utility account must be in your name and the payments must come from a bank account in your name. This is required for verification and for TransUnion to accept the data. If the utility is under someone else’s name or paid from another person’s bank account, we can’t report it under your credit file — but we can still help. You can contact us, or have that person enroll directly, and we’ll walk you both through the best way to get their utility reporting set up.
We report four types of utilities: power, gas, water, and cell phone. Each account must be in your name and have verifiable monthly payments. Utilities outside of these four categories—such as internet, cable, trash, sewer, or any service paid by a landlord or another person—do not qualify for reporting. If you’re not sure whether your bill fits one of the eligible types, or if the account is under someone else’s name, just reach out. We’re happy to take a look or help the account holder enroll so they can report it themselves.
Yes. Anyone can report utilities as long as the account is in their name and the payments come from a bank account in their name. This includes homeowners, roommates, spouses, and anyone living with family. And if you’re 18 or older, you can always start with your cellphone — it’s the easiest way to build credit because most people already have a mobile account in their own name. If a utility or cellphone bill is under someone else’s name, just reach out. We can review it with you or help the account holder enroll so they can report it themselves.
You can still enroll even if you’re behind on a bill. We only report verified on‑time payments, so if a month can’t be verified, we simply don’t report data for that month. Nothing negative is ever added to your credit through our service. As soon as you’re current again and new on‑time payments are available, those months will be reported normally.
Utility reporting turns your existing monthly bills — power, gas, water, and cellphone — into verified payment history on your TransUnion credit file. These accounts normally don’t show up on your credit report, even though you pay them every month. By adding them as a positive tradeline, you’re giving scoring models more on‑time payment data to work with, which can help build or strengthen your credit profile over time. This is especially helpful if you’re new to credit, rebuilding, or have a thin file with limited accounts.
We verify your payments using secure bank‑transaction data. When you connect your bank account, we match your name, the utility or cellphone provider, and each monthly payment directly from your transaction history. This confirms the payments are truly yours and meet TransUnion’s verification requirements. Only verified on‑time payments are reported. If a month can’t be verified through your bank transactions, we simply skip that month with no negative impact.
Your tradeline updates once a month and always reflects the prior month’s verified payment. For example, in June we report your data for May. Ongoing accounts are reported to TransUnion on the 5th of each month. New accounts are batched twice a month, on the 5th and the 15th, so your initial tradeline can post faster. Expedited service is available if you need your new account reported sooner. If a payment for a specific month cannot be verified through your bank transactions, that month simply shows as no new data reported, and the tradeline continues normally the next month.
Yes. Utility and cellphone reporting works completely on its own. You don’t need rent reporting or a lease to participate. As long as the utility or cellphone account is in your name and paid from your own bank account, you can build credit with it. Many customers start with just their cellphone because it’s usually the first account they have in their own name and the easiest to verify through bank‑transaction data. You can add rent reporting later if you want, but it’s never required.
We only share the information required to create and maintain your utility or cellphone tradeline. This includes your name, address, Social Security number, the name of the utility or cellphone provider, the account type, and the verified payment information for each month we report. We do not have your bank login, we do not have access to your bank balance, and we do not share any unrelated transaction data. Only the specific payment information tied to your verified utility or cellphone account is sent to TransUnion.
You can add Past Reporting for a one‑time fee of $59. This allows you to add up to 24 months of past rent history to your credit file for an immediate boost. Past Reporting includes up to 24 months of verified past rent, past utilities automatically included and reported to TransUnion, a second past address at no additional cost, closed tradelines with real data, current and past addresses reported, a free initial Equifax credit report and score, and a 30‑day credit monitoring trial for past‑only enrollments.
Most customers choose to combine Ongoing Rent Reporting at $6.95 per month with Past Reporting for $59 one time. This combination provides an immediate lift from up to 24 months of past history and ongoing positive payment history every month, with rent and utilities building together. Expedited reporting is also available for customers who need faster posting. Files completed by Thursday are included in the Friday expedited batch to TransUnion and Equifax, while Experian continues to update monthly.
Your total cost depends entirely on what you choose during enrollment. There are no setup fees, no activation fees, and no hidden charges. You select exactly what you want: Ongoing Rent Reporting for $6.95 per month, Past Reporting for $59 one time, or both.
Your data is encrypted and processed through secure systems designed to verify only what’s required for reporting. We use bank‑transaction data to confirm your utility or cellphone payments, but we do not have your bank login and we do not see your bank balance. The transaction information we receive is limited to what’s needed to match your provider and confirm your monthly payment.
We do not store your utility or cellphone login credentials. Verification is handled through secure bank‑transaction data, which confirms that the payments are coming from your account and match the correct provider. This method is more secure, does not require your utility login, and meets TransUnion’s requirements for verifying third‑party payment data.
You can stop reporting at any time. When you cancel, we report the account as closed with the credit bureau. Your existing tradeline stays on your credit report, but no additional months will be added after the account is closed.
If you switch providers or move to a new address, your existing utility account is closed and reported as closed to TransUnion. To continue reporting, you enroll again with your new provider or new address. Each provider and address combination is treated as its own account, so a new enrollment is required to create the new tradeline.
Yes. If your provider changes its name, merges with another company, or updates its billing system, your tradeline stays active as long as you are still at the same address and with the same underlying utility account. If the provider only changes how your account number is formatted, you contact us and we update your account on our side. That does not create a new tradeline and does not close your existing account.
Changes to your billing date or billing cycle don’t affect your reporting. As long as you’re still with the same utility at the same address and your payments continue normally, your tradeline stays active. If the change causes a one‑time odd payment amount or timing shift, just send us your latest bill and we’ll confirm everything is still aligned.
Yes. Your existing tradeline stays on your credit report and is reported as closed when you move out of that address or switch to a different utility provider. Utility reporting is tied to the specific address and provider, so moving creates a new utility account. If you want to continue reporting at your new location, you simply enroll again with your new provider. Your previous history remains on your report as a closed account. (Cell phone reporting is the exception, since it isn’t tied to an address.)
You can reach us through your customer portal, by email at support@creditrentboost.com, by phone during our support hours (Monday–Friday, 10 AM to 2 PM Arizona time, Toll‑Free 844‑950‑RENT / 7368), or by text at 844‑559‑0635. All messages are reviewed and responded to within 24 business hours.
Having your most recent utility bill and the payment method you use for that utility helps us resolve issues faster. If you’re asking about verification or reporting, sending a screenshot or PDF of your latest bill allows our team to confirm your provider, address, and account details quickly.
Most issues are reviewed within one business day. If we need additional information—such as a clearer bill, a missing payment, or confirmation from your provider—we’ll let you know. Once we have the correct documents, straightforward verification updates are usually resolved quickly.
Yes. If you’re unsure how your utility tradeline is showing on your TransUnion report, you can upload a screenshot of the tradeline section and our team will explain what you’re seeing and confirm whether the reporting is accurate.
When we submit an account to TransUnion, the bureau typically activates the tradeline within 2–5 business days. If you don’t see the tradeline after 10 business days, contact us so we can confirm our submission, check processing status with TransUnion, and escalate if needed.
When we submit an account to TransUnion, the bureau typically activates the tradeline within 2–5 business days. If you don’t see the tradeline after 10 business days, contact us so we can confirm our submission, check processing status with TransUnion, and escalate if needed.
If any of your account details are wrong, contact support so we can fix it with you. You’ll need to upload or email a recent utility bill or bank statement that shows your correct name, service address, and account number. Once we verify the correct information, we update your reporting profile on our side and resubmit the corrected data to TransUnion. Updated information can post within a few business days once the correction is processed.
All verification is done through your bank data only. If something needs to be confirmed, the fastest way is to contact support so we can walk through it with you. You may need to connect the correct bank account in your portal or upload/email bank statements that clearly show the payments. Once the payments are verified through your bank data, we update your record and resubmit the corrected information to TransUnion. Verified updates can post within a few business days.
Verification is done through your bank connection only. You’ll need to connect the correct bank account in your customer portal so we can automatically verify your utility payments. If the wrong bank is connected, call support so we can walk through fixing it with you. You’ll also need to upload your photo ID once and upload your most recent utility bill for each utility account you want reported.
Once your photo ID, your most recent utility bill, and your correct bank connection are in place, verification moves quickly. After your bank connection confirms your utility payments, your account enters our reporting schedule. Standard reporting runs on the 5th and the 15th of each month. If you need it faster, we offer expedited reporting: accounts that are fully verified by Thursday are submitted in our Friday expedited batch. Once submitted, TransUnion typically activates new tradelines within 2–5 business days. If the wrong bank is connected or something needs to be corrected, call support so we can fix it with you and keep your reporting moving.
If something doesn’t match—like the wrong bank being connected, an outdated utility bill, or missing ID—your verification can’t complete. Call support so we can walk through it with you and fix whatever needs to be corrected. You’ll need to make sure your photo ID is uploaded, your most recent utility bill is uploaded, and the correct bank account is connected in your portal. Once everything matches and your bank connection confirms your payments, we move your account into the next reporting cycle.
Yes. Past payments can be verified as long as they appear in your connected bank account, and we can report up to 24 months of eligible payment history. Once your photo ID is uploaded, your most recent utility bill is uploaded, and the correct bank account is connected, we automatically verify any eligible payments within that 24‑month window. If the wrong bank is connected or something doesn’t match, call support so we can fix it with you. Once everything is verified, your past payments move into the next reporting cycle.
