## Get started for free

Rent reporting is on us. Upgrade with bills for $7/month. No upfront fees. No credit check.

## Progress in days, not years

Get ahead faster: report up to 24 months of past payments, too. No extra cost.

### Only on-time payments are reported

If you paid late or missed a bill, don’t worry—it’s not included in reporting.

# Your regular payments are a powerful way to build credit history

## Payment history is 40% of your credit score

Show lenders you’re good at being consistent. No extra debt required.

Source: [TransUnion](https://www.transunion.com/blog/credit-advice/guide-to-credit-score-factors)

## 97% of renters agree

They saw reporting payments as a good way to build credit.

Source: [Credit Builders Alliance®](https://www.creditbuildersalliance.org/wp-content/uploads/2021/04/Open-Letter-to-the-Biden-Administration_final-2.pdf)

## It can have real results

Reporting on-time utility payments can help build credit history to improve your score.

Source: [CFPB](https://www.consumerfinance.gov/about-us/blog/using-alternative-data-evaluate-creditworthiness/)

How it works

## Make progress with your existing bills

## Choose what to report

Using your linked bank account, we’ll find eligible recurring payments. You’ll select the bills or utilities you want to include: water, gas, phone, electric—fair game.

### We’ll report your payments to TransUnion

Missed one or paid late? All good—those aren’t reported.

Only on-time payments are reported to TransUnion.

### Build credit history

Payments are reported to TransUnion. Stay consistent to see results over time. FYI: Credit bureaus take 30-45 days to update your report.

### Get up to 24 months of history included—no extra cost

That means faster progress showing credit bureaus you’re consistent.

# Compare plans and pricing

Comparison

| Product                     | Monthly cost    | 24-month history                      | Credit Bureaus                    |
|-----------------------------|------------------|---------------------------------------|-----------------------------------|
| Rent Reporting              | Free             | Rent included                          | TransUnion                        |
| Bill & Rent Reporting       | $7/month         | Bill & Rent included                  | TransUnion                        |
| Rent and Bills Reporting    | $6.95/month      | Additional $49.95                    | Rent: All 3 Bureaus              |

### You’re already making payments. Now get credit for them.

## Join over a million customers

I really appreciate just how easy they make it. I feel a lot freer to not only do what I want, but also take care of my needs.

_—Gloria, Member Since 2021_

Unexpected expenses can hit. It can turn into a spiral. That's just a part of being a mom. That's when Possible helps the most.

_—Keianna, Member Since 2023_

What drew me to Possible was how upfront and easy it was. There was no mystery as to what the interest rates were.

_—Austen, Member Since 2019_

Credit is a journey. I'm learning about it to be financially fit. I would describe Possible as a great tool to help in a need.

_—Gena, Member Since 2022_

## Frequently asked questions

**What is Bill & Rent Reporting?**

Bill & Rent Reporting turns your everyday rent and bill payments into credit history by reporting them to TransUnion. Instead of taking on new debt to build credit, you get credit for payments you're already making—like rent, utilities, and phone bills.

**How does bill and rent reporting work?**

When you enroll, we use your connected bank account to identify eligible rent and bill payments. You choose which payments to report. We then send your on-time payment history to TransUnion, where it appears on your credit report as payment history.

**Is rent reporting really free?**

Yes. Rent reporting is free, including up to 24 months of past rent payments subject to payment verification.

**Sometimes I pay late. Will this affect my credit score negatively?**

No. We only report on-time payments to TransUnion, never missed or late payments.

**Can I report past payments?**

Yes. When you enroll in rent reporting, we automatically include up to 24 months of past on-time rent payments at no extra charge.

**How long does it take to see results?**

Your payments are typically reported to TransUnion within days of enrollment.