Every payment you make should count.
Worth reports your payments automatically, every month, from day one.
What Worth reports
Rent payments
Monthly rent reported to all 3 bureaus
Wireless payments
Your phone bill counts toward your credit
Utility payments
Electric, gas, and water bill history
Reported to Equifax, Experian & TransUnion
"I went from being invisible to the credit system to qualifying for device financing in 6 months. Worth showed that my rent payments and phone bills actually meant something."
Marcus S.
User since 2025
Inquiries don't hurt your score
Every payment counts toward your credit
Your rent and bills tell the real story
Your credit builds from day one
Every on-time payment is reported to all three bureaus automatically.
Your rent and bill payments start reporting
All three bureaus—Equifax, Experian, and TransUnion—see the history. Your credit file begins.
Most members see credit score movement
Your payment history is establishing itself. Lenders start to notice.
Six months of documented reliability
Lenders can see it. Better rates, better terms, financial options you couldn't get before.
A full year of payment history
This is what opens real financial doors. Credit-building with Worth becomes part of your permanent record.
What gets reported.
Worth reports what traditional credit ignores.
Frequently asked questions
If your question isn't here, reach out to our team directly — we'll respond within one business day.