Build credit history with bills you already pay
Build safely
100% free, no debt, no credit checks and no missed payments reported.
Build fast
Skip the wait. Turn your past payments (as little as 3 months) into credit history.
Be in control
Choose which bills you always pay on time and use them to count towards your credit.
Reach milestones
Strengthen your credit profile to unlock dream 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_labelsImprove:
See credit report updates within a week, then build credit automatically with every payment.
Image: Desktop_HowCSworks
Image: SSGHow 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 your score. You’re doing it right, but rarely get credit for it.
Credit Spark changes that!
We report 3 to 24 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, your credit mix and increase your credit age, without ever taking on new debt.