Payment history matters most.
It’s the biggest factor in most credit scores, and every on-time bill adds to it.
Build credit with the bills you already pay
We report the rent, phone and utility bills you pay on time to your credit report, so they help build your credit.
Get started
- Up to 24 months of past payments, included
- No new loan, card or hard credit check
For illustrative purposes only
Up to 24 months of past payments
Only reports on-time payments
No new loan or card
No hard credit check
Secured by Plaid, with bank-level encryption
Pay bills. Build credit.
Why report your bills?
You pay rent, phone and utilities on time every month. Most of those payments never reach your credit report, so they don’t help your credit. Bill Reporting changes that.
Your bills usually aren’t on your report.
Most landlords, phone carriers and utilities don’t report on-time payments.
Your past payments count too.
We add up to 24 months of on-time history for each bill, then every on-time month after that.
Who it helps most.
Most helpful if you’re new to credit, rebuilding, or don’t have much credit history yet.
How it works
Link your account.
Link the account you pay your bills from.
Bank-level security
We find your bills.
Solid Credit finds your rent, phone and utility payments for you. You just approve them.
Watch it appear.
Your on-time bills go on your credit report, including up to 24 months you’ve already paid.
Up to 24 months of past payments, included.
Get startedEverything you need, in one place.
Where you start
Bill Reporting
The rent, phone and utility bills you already pay, on your credit report. Only on-time payments are reported, and you’ll see each one show up.
Then Solid Credit is there for what comes next.
Your full credit report
See your bills show up, right in the app.
Credit monitoring
Know when something changes on your report.
Your credit plan
Personal next steps for your credit.
Ask Solid
Answers to your credit questions, whenever you have them.
What members say about Solid Credit
“Joining Solid Credit was a solid decision. They found something wrong right away and helped fix it. Now, I’m covered all the time and don’t have to worry.”
Jamie · AR“I love how clean and ad-free Solid Credit is, and that I can see everything on my reports, not just a score. Before Solid Credit, I really had no idea that every bureau could have different information about you, and that it’s super common for things to be inconsistent and even totally inaccurate.”
Lauren · NJ“I learned my card balance gets reported on the closing date, so even when I pay in full, that’s not what shows up. I also appreciated the nudge to contact one lender about removing a late-payment mark. Little things I never knew were hurting me.”
Marlene · FL
Common questions
- Results vary. Solid Credit does not promise any credit score change. Bill Reporting adds on-time payment history to your credit report; how any score responds depends on your whole credit file.
- Rent payment data is used by VantageScore 3.0 and 4.0 and by FICO Scores 9 and 10 when it is present on a credit report. Not all lenders use credit scores that consider rent payments; FICO Score 8 and the FICO Score versions most mortgage lenders use do not.
- Eligibility depends on how a bill is paid. Bills paid by credit card, through peer-to-peer apps or wire transfer, or by cash, check, or money order cannot be reported at this time. Each bill needs three qualifying on-time payments from a linked account before it is reported. Rent paid to an individual landlord cannot be reported, and rent is not eligible while you hold a mortgage.
- Reporting continues until you turn off a bill or turn off Bill Reporting. When you turn off a bill that is being reported, it is reported as closed, which can affect your credit. A bill with no qualifying payment for 90 days is also reported as closed.
- Bank account connections are provided by Plaid. Solid Credit uses transaction data from linked accounts to identify and confirm eligible bill payments.
