What is Bill & Rent Reporting?

Bill & Rent Reporting lets you report eligible rent and bill payments to the credit bureaus to help build your credit history. It's an easy way to get credit for payments you already make.

How does reporting work?

Once you've selected the bills you want to report, Possible will add those payments as tradelines and report up to 24 months of past payment history, if available, to TransUnion.

Learn more about how to enroll and add bills here.

Who is eligible to enroll in Bill & Rent Reporting?

Eligibility depends on what Possible product you use:

• Possible Members (including Plus plan customers) have free access to both Bill and Rent reporting.
  • If your membership is canceled, reporting stops at the end of your billing cycle and your Bloom account closes.
• Plus plan customers — Bill & Rent Reporting (both rent and bills) is included free as part of your Plus plan membership. No separate enrollment fee or $7/month charge applies.
• Single advance customers in GA and NM can enroll in rent reporting for free or choose a $7/month plan to add on bill reporting.
• Loan Customers can enroll in rent reporting for free or choose a $7/month plan to add on bill reporting.

What's included with each version of Bill & Rent Reporting?

Here's a quick breakdown:

• Possible Member (Included with Possible Membership)
  • Rent reporting
  • Bill reporting
  • Automatic 24-month look back
• Plus plan customer (Included with Plus plan membership — $14.99/month)
  • Rent reporting
  • Bill reporting (utilities and telecom)
  • Automatic 24-month look back
  • No additional fee for bill reporting
• Loan customers and single advance customers in Georgia and New Mexico
  • Free tier
    • Rent reporting only
    • 24-month look back
  • Paid tier – $7/month
    • Rent reporting
    • Bill reporting
    • 24-month look back

How do I enroll in Bill & Rent Reporting?

Open the Possible app, select Bill & Rent Credit Reporting, and tap "Get Started." We'll walk you through your available options and help you enroll based on your account.

Once you've signed up for Bill & Rent Reporting, we'll identify eligible bills and let you add them to begin reporting; new tradelines appear within 30–45 days. Read more details about how to enroll here.

What payments can I report?

• Rent reporting is available on all plans.
• Bill reporting (utilities and telecom) is available to Possible Members (including Plus plan customers) and paid subscribers.

Eligible bills include up to three utilities (gas, electric, water) and one telecom account (phone or internet). Each bill must:

• Be in your name
• Have at least three months of payment history
• Be paid through your primary account

Read more about what makes a bill eligible here.

Which credit bureaus do my bill & rent payments get reported to?

We report your eligible bill & rent payments to TransUnion.

Can I pause or cancel any bill reporting?

Yes, you can remove a bill in the app under "Added to Reporting." If no payments are made for three months, reporting pauses automatically, but closed tradelines can't be reopened.

How quickly will I see my credit score change?

Tradelines typically appear on your TransUnion credit report within 30–45 days of adding a bill. Credit impact varies based on your credit profile.

What's the cost of Bill & Rent Reporting?

• Free for Possible Members (full bill + rent reporting included with membership)
• Free for Plus plan customers — both rent and bill reporting are included as part of your $14.99/month Plus plan. No separate fee.
• Free rent reporting for loan customers and single advance customers in Georgia and New Mexico
• $7/month for loan customers and single advance customers who want to also report their bills