You've been reliable your whole life.
Now be recognized for it.
Pay bills to build credit history and earn free wireless service — on autopilot.
Start earning — it's freeWhat makes Worth different
Your rent payment disappears every month. For years, it built nothing. Worth changes that.
Most tools were built for people who already have credit history. Worth is built for people who have something better: a record of showing up.
One account connects your banking, your bills, and your phone service. Every qualified payment you make gets reported to all three credit bureaus. Your reliability becomes visible — and that visibility opens doors.
How it works
Four things happen automatically.
Open a free account
60-second application. Soft credit check only — your score is not affected.
Pay your bills through Worth
Rent, utilities, and your secured card — every on-time payment is reported to all three credit bureaus automatically.
Your credit history builds
Most members see their score appear or begin moving within the first six months. No extra steps. It runs in the background.
You earn free wireless
Bank with Worth, set up rent, refer people you trust — each one earns months of unlimited 5G talk, text, and data. After earned months run out: $35/month.
What changes for you.
Rent finally counts.
The biggest payment you make every month starts building the same credit history that opens doors to better apartments, car loans, and real financial options.
Your phone bill shrinks or disappears.
Most members earn several months of free wireless in their first year. Some never pay for wireless again.
Your financial picture becomes yours.
Not a score someone else assigned you based on the wrong signals. A record of what you actually do, reported to all three bureaus every month.
You've already done the hard part.
Worth is for people who have always shown up. We make sure the system sees it.
Download Worth — it's freeNo hard credit check · FDIC insured · Banking by Cross River Bank, Member FDIC