Build credit history with bills you already pay
Credit Spark reports your monthly payments to TransUnion. Not all lenders use TransUnion credit reports or scores impacted by Credit Spark.
Build credit history safely
100% free, no new debt, no credit checks and no missed payments reported.
Build fast
Skip the wait. Turn your past payments (as little as 1 month) into credit history.
Be in control
Choose which bills you always pay on time and use them to count towards your credit history.
Reach milestones
Strengthen your credit profile to unlock potential upgrades in your life.
Here’s how
Credit Spark works:
Image: Connect:
Securely link the bank or savings account you use for bills (rent, utilities or phone) and Credit Spark will identify eligible payments.
Image: Circle + IconHowCSworks_labels-1Choose:
Select which bills you’d like to add to your TransUnion credit report.
Image: Circle + IconHowCSworks_labelsBuild:
See credit report updates within a week, then build credit automatically with every payment.
Image: Group 1197135048howitworks
Image: Spark something great.How does Credit Spark help your credit?
Half (or more) of your credit score comes from on-time payments, credit age, and credit mix. You pay essential bills (like rent, utilities or phone) on time every month, but these rarely help you build credit history. You’re doing it right, but rarely get credit for it.
Credit Spark changes that!
We report 3 or more months of your past on-time payments and turn up to five of your everyday bills into credit accounts that show up on your TransUnion report. All to help you strengthen payment history and credit mix, without you ever having to take on new debt.
Got questions? We’ve got answers.
Yes – We’re committed to guarding your data and making sure only you can access your Credit Spark. We use multi-factor authentication to verify your identity and encrypt your stored data using AES-256 (Advanced Encryption Standard with 256-bit keys), which ensures the highest level of cryptographic security. We also proactively search for scams and frauds and immediately block suspicious activity to help keep your information safe. For more details, please see our privacy policy.
It’s best for members who are new to credit, have a score below 660, or don’t have a score at all. If you have a “thin file” (little to no credit history), Credit Spark helps you add a track record of on-time payments to your report, which can be key to establishing your first credit score.
No. Credit Spark is 100% free.
No. Enrolling in Credit Spark never triggers a hard inquiry or credit check.
We don’t report missed payments to the bureau. If we can’t detect a payment for a month, it simply shows as “unknown” on your report. However, please note that if no payments are found for 3 months, the tradeline will be closed due to inactivity.
Once you enroll, it takes 4–7 days for the new accounts (your bills) to appear on your TransUnion report. These help build your Payment History, but can temporarily lower your Average Age of Credit, so score changes depend on your unique profile. Keep making on-time payments and check back monthly!
Credit Spark will affect credit scores which are calculated using (a) TransUnion credit data; and (b) a scoring model that factors in alternative data such as rent and utility payments. Rent and utility payment data are considered by VantageScore® 3.0 and 4.0, as well as FICO® Scores 9 and 10.
Yes, they can. While every lender has their own criteria, many modern credit scoring models now consider “alternative data,” such as rent and utility payment history. For lenders that use TransUnion VantageScore® 3.0 and 4.0 or FICO® Scores 8 and 9, your verified bill payment history can play a role in credit decisions. By using Credit Spark to report these payments, you’re building a stronger, more complete financial resume.