Credit Rent Boost turns your monthly utility and cellphone payments into verified credit history. We report your power, gas, water, and cellphone bills to TransUnion with secure, AI‑enhanced accuracy—helping you build credit using the payments you’re already making.
Utility Reporting is included free with every Rent Reporting plan. We can report your power, water, gas, and cellphone payments to TransUnion at no additional charge.
Utility Reporting can also be purchased on its own — perfect for homeowners, non‑renters, or anyone with a cellphone bill who wants to start building credit using the payments they already make
Understand how tradelines stack up — or learn how young adults can start building credit today.
If you only purchase Current Utility Reporting, we report up to 4 tradelines — one for each utility type at your current address and with your current providers.
When you add Past Utility Reporting, each address and each provider you’ve had in the last 24 months becomes an additional tradeline opportunity. Multiple addresses and multiple providers stack up fast.
For example: if you lived at 2 addresses and had 2 different cellphone carriers, that’s potentially 8 separate tradelines being added to your credit report.
More tradelines = a stronger credit profile.
Each tradeline is an independent verified account on your credit report — showing consistent, on-time payment history across multiple accounts without taking on any debt.
Member lived at 2 addresses over 24 months, had 2 cellphone carriers:
Power (2 addresses)
Water (2 addresses)
Cell (2 carriers)
Total Tradelines Added
Power
Water
Gas
Cell
Total Tradelines Added
That makes cellphone reporting one of the safest, fastest, and most accessible ways to start building credit early — without taking on debt, opening a credit card, or applying for a loan.
Your cellphone bill becomes an open, active tradeline on your TransUnion credit report — one that grows stronger every month you pay on time.
Works with nearly every major carrier:
Most 18–24 year olds don’t qualify for traditional credit products. Your phone bill sidesteps that entirely — it’s already yours.
Even if you still live at home or don’t have utilities in your name yet, your cellphone is usually the first bill you manage independently.
You’re not borrowing anything. You’re simply getting credit for a payment you’re already responsible for making each month.
Parents often ask: “How can my 18-year-old start building credit safely?” Cellphone reporting is one of the best answers — low-risk, low-cost, and based on a bill they’re already paying.
Utility Reporting is straightforward to set up. Here’s what’s required to get started.
1
The utility account — power, water, gas, or cellphone — must have your name on the bill. We can only report for the account holder.
2
The utility account — power, water, gas, or cellphone — must be in your name, and the name on the utility account must match the name on the bank account or credit card used to pay it. We can only report for the person who is both the utility account holder and the payment method owner.
3
We’ll ask you to upload a recent utility bill to verify the account, address, and provider are correct.
4
Inside your Customer Portal, simply connect the bank account or card you use to pay your utility bills. The connection is secure, private, and encrypted — and your login information is never seen or stored by us.
5
Anyone 18 or older can use Utility Reporting to start building credit with the bills they already pay.
No problem — we just need to report under their name instead. They can easily enroll using the same process, and we’ll guide them through every step.
The payments you make every month already show responsibility — now they can finally help build your credit. Our secure system verifies your utility payments and reports them accurately, so the bills you’ve always paid on time can start working for you.
Most credit products add one tradeline. Utility Reporting can add up to eight — giving you more verified payment history and a more diverse credit profile.
You’re not borrowing money or opening new accounts. You’re simply getting credit for bills you already pay — making this one of the safest credit-building options available.
Past reporting lets you add up to 24 months of verified payment history in one shot — giving your credit profile immediate depth without waiting years.
There’s no hard inquiry to enroll. Your credit score isn’t affected just by signing up, making this accessible to anyone regardless of their current credit situation.
Current reporting creates open, active tradelines. Past reporting creates closed tradelines with history. Together, they give you the strongest possible credit structure.
Your utility payments are reported directly to TransUnion — one of the three major credit bureaus — ensuring your positive history is seen where lenders look.
Independent validation of our trust, transparency, and quality of service — so you can enroll with confidence.
We’ll match any competitor’s publicly advertised standalone rent or utility reporting price — guaranteed.
Have your new account reported to TransUnion within 3 business days of receiving all documents and rent verification.
We built Credit Rent Boost on trust. These two guarantees are our promise to back it up.
CRB Fairness Guarantee — refunds available within 30 days under clear conditions for both rent and utilities.
We want you to feel confident enrolling with us, knowing that if it’s our limitation, you’re protected. If it’s a misunderstanding, we’ll share the cost with you. That’s how we’re different.
Enroll with confidence knowing your price is protected. If you find a comparable publicly advertised standalone rent or utility reporting plan within 30 days of enrollment, we’ll match it.
Real stories from real people who’ve taken control of their credit health.
EXCELLENTTrustindex verifies that the original source of the review is Google. excellent customer service handled by professional staff who went above and beyond Thank you!! ElisaPosted on GoogleTrustindex verifies that the original source of the review is Google. I have utilized their services and observed an improvement in my credit rating. What I appreciate most is the ability to speak with a live representative whenever I have a question. Thank youPosted on GoogleTrustindex verifies that the original source of the review is Google. Oh my gosh! This company is fantastic!!! They have helped my credit score tremendously!! They report rent to all 3 credit bureaus and even utilities to TransUnion! And they even report past rent up to 24 months!! Their customer service is outstanding!! Elsa was super knowledgeable and so helpful! What an amazing company!! I seriously can’t say enough good things about them!! This is perfect for anyone trying to help boost their credit to buy a new house!! Thank you Credit Rent Boost-950 Credit, Inc!!Posted on GoogleTrustindex verifies that the original source of the review is Google. 950 Credit Inc - Credit Rent Boost were fast and expedient. My customer service rep was very helpful in correcting my issues and expediting my request. Definitely a thumbs up. Thank you for reporting my history accurately. I couldn't have been better represented. Thank youPosted on GoogleTrustindex verifies that the original source of the review is Google. I can't say enough about Credit Rent Boost. In November 2025, I had been approved for a home loan. Three months before closing on my permanent financing, the bank ran my credit again and found that Honda had stopped reporting my car loan. Without it, my credit score dropped from 756 to 640. I got Honda to start reporting again, but I was told it would take several months to show up. I didn't have several months. I was desperate. I had been renting the same house for eight years, so I contacted Credit Rent Boost. They sent my landlord a verification form, he filled it out, and they reported my past rent history showing I had always paid on time. Within about a month and a half, my score jumped at least 100 points, and within three months it was back up to 760. I closed and moved into my new home on April 1, 2026. Thank you, Credit Rent Boost. It really works. If you've been paying rent on time and need your credit boosted, I highly recommend them.Posted on GoogleTrustindex verifies that the original source of the review is Google. My apartment community promotes them on our resident portal, which is what made me sign up since I wanted to work on my credit. Since signing up, my credit score has gone up almost 50 points. They also respond quickly if you have any questions. So far, it has been a good experience for me. It makes sense — if you’re already paying rent, why not get points toward your credit? I definitely recommend them.Posted on GoogleTrustindex verifies that the original source of the review is Google. Very user friendly. As a first time homebuyer, this service helped me alot.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Everything you need to know about our utility reporting plans.
No. There is no credit inquiry when you enroll in Utility Reporting. Your credit score will not be affected just by signing up.
We report twice a month — on the 5th and the 15th. Expedited reporting service is also available if you need your tradelines added sooner.
Yes — with Past Utility Reporting, we can report up to 24 months of past payments from previous addresses and past providers. This is what allows you to add up to 8 tradelines at once.
You can receive up to 8 utility tradelines when you add Past Utility Reporting and you’ve had multiple addresses or multiple utility providers within the last 24 months. Each utility type (power, water, gas, cellphone) can generate a tradeline for every verified address or provider.
If you choose Current Only, we report up to 4 active tradelines — one for each utility type you currently pay.
You can choose Current Only Utility Reporting without adding any past history. With Current Only, we report up to 4 tradelines from the utility and cellphone bills you’re paying right now — one for each active utility type (power, water, gas, and cellphone).
Your reporting begins from today forward once your account is connected and verified. If you ever want to add past utility history later, you can upgrade to Past Utility Reporting at any time.
Yes — for all new retail customers, Utility Reporting is included at no additional charge when added during your initial setup. If you don’t add it at that time, you can still upgrade later at the standard Utility Reporting prices.
If your enrollment is through a landlord or partner, availability depends on the agreement we have with that provider. In many cases, Utility Reporting can still be added, and we’ll walk you through your options.
We report power, water, gas, and cellphone or landline payments. Each one becomes a separate tradeline on your TransUnion credit report.
Utility Reporting adds verified positive tradelines to your TransUnion credit report. All credit score outcomes are determined solely by TransUnion based on your complete credit profile. While adding positive payment history generally has a beneficial effect, individual results vary.
Yes. We use Plaid — a trusted, bank-level secure technology — to connect your payment method. Your bank login credentials are never seen or stored by CreditRentBoost. Plaid is used by thousands of financial apps nationwide.
