If you're needing help setting up Build It, please review our Build It setup article or chat with our team.

FAQ

How long before my rent payments are shown on my credit report?

Here’s how rent and utility tracking works through ExtraCredit: You’ll go through the steps to link your financial institution. The system will then verify the information you added to locate your rent and utility payments. This process can take up to 7 business days. Once payments are verified, the system will send your utility payments for reporting to TransUnion and rental payments to Equifax, TransUnion and Experian.

Keep in mind that this service will not report past rental payments. Only current and future payments are reported, as long as you’re signed up and using this feature. All future payments made to these trade lines are typically updated within 24 hours. Depending on the credit bureau, it may take about two months before you’ll see the rental tradeline reported on your credit reports.

Can I report just utilities?

Yes! You no longer have to report your rent and utilities together to build your credit profile! This means, even if you don’t pay rent, you can report your utilities and vice versa. Adding additional tradelines through Build It is a great way to build your credit history.

How to cancel rent payment information?

If you have rental and utility payments that are currently being reported to the bureaus through Build It, you can submit your request to Support@Credit.com, including the specific changes you want to be made.

Remember, if these payments have already been reported to the bureaus and you’ve seen the positive tradeline on your reports, the tradeline will be removed and could potentially impact your score. 

How to update rent payment information?

If you’re moving to a new address and would like your rental and utility payments to be reported for your new residence, it’s fairly easy to make that switch. Please submit your request of new address to Support@Credit.com, including the date that you moved out of your previous address.

Please note that when updating your rental payments, you will be closing the previously reporting tradeline(s) and opening a new tradeline on your credit reports.

Utility Provider Connection Not Working

In order for the system to verify your payments, we need to establish a connection with your utility provider directly.

At times, there are system errors when attempting to retain your statement and payment information that would need to be reestablished for payment verification. Temporary connection issues can often be resolved by simply attempting to reconnect in your Build It portal of your ExtraCredit account.

At times, this connection issue may be resolved by simply accessing your utility provider portal or website separately and accessing and downloading your payment statement. While logged in you will want to make sure to clear any pending notifications that you may have with the provider.

Other connection issues may be due to your utility provider requiring a multifactor authentication. This typically can happen when attempting to connect to your utility provider and either one time codes or security questions are prompted. Please keep in mind, these multifactor authentication steps are time sensitive. Once you are presented with multifactor authentication, it’s best to complete those steps as quickly as possible to establish the connection.

If these steps do not aid in establishing a connection to your utility provider, please download a copy of your utility payment statement and submit a support request ticket from the email address associated with your ExtraCredit account to support@credit.com. Please include the steps you have completed so we can troubleshoot this issue.