Turn everyday bills into better credit
Rent and Bills Reporting is a fast, easy and no-debt way to build credit.
No credit check
Fast results
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A new, fast way to build credit
Grow your score
Average gains hit 25 points.*
Positive reporting
Missed payments will not be reported.
Fast results
Credit updates in as little as a few days.***
Free rent reporting
Your rent builds credit at no extra cost.
Build credit with everyday payments
1
Link your accounts
We automatically find rent and bill payments made from your bank, card, and other methods.
2
Select your bills
Decide which ones to report. The more bills you report, the stronger your credit.
3
Build credit fast
We report your payments to the credit bureaus — usually within 36 hours.***
Report rent for free, or add more bills for $6.95/month
Rent Reporting
Free
- Report rent payments to Equifax, TransUnion and Experian
- Add a positive record to your credit profile
Rent and Bills Reporting
$6.95/mo
- Report rent payments to Equifax, TransUnion and Experian
- Report utility and phone bills to TransUnion
- Add up to 5 positive records to strengthen your credit profile
- Track changes to your credit report with real-time alerts
Over 1.1 million people have reported bills with Self
In September I started at a 500 credit score, now it’s December and I’m at 608. My bills being counted is a big help.
I've only been reporting my rent and utility payments for 2 months but I absolutely love it because I actually get credit for doing something I already do every month without fail.
Self has been a great experience. Now I can look forward to buying a house and a car that I have dreamed of. All of this is made possible by paying my monthly bills on time. I greatly appreciate it. Thank you so much.
Frequently asked questions
Rent and Bills Reporting adds your on-time rent and bill payments to your credit history. Because payment history makes up 40% of your VantageScore® credit score, these positive payments can strengthen your credit over time.
Customers who report their bills see an average credit score increase of 25 points.*
Customers who report their bills see an average credit score increase of 25 points.*