Turn your bills into credit history.
Your rent, utilities, and phone bill already prove you're responsible with money. Arcane Credit reports those payments to major credit bureaus — including up to 24 months of past payments — so they actually count toward your credit score.
Which bills can you report?
Arcane Credit supports six categories of recurring payments. Each is verified independently and reported as its own tradeline.
Rent
Report your monthly rent payment to TransUnion and Experian. Must be for your primary residence, with no active mortgage or other rent tradeline already reported. Payments must be made online to a verified property management company or rent platform (e.g. Yardi, AppFolio, Buildium).
Telco
Internet, cable TV & cell phone
Report one recurring telco payment to TransUnion. Payments must be made online to a verified telco provider.
Electric
Report one recurring electric payment to TransUnion. Must be for your primary residence, paid online to a verified utility company.
Gas
Report one recurring gas payment to TransUnion. Must be for your primary residence, paid online to a verified utility company.
Water
Report one recurring water payment to TransUnion. Must be for your primary residence, paid online to a verified utility company.
Bundled Utilities
Gas, electric & water combined
If your utility company bundles gas, electric, and/or water into a single bill, Arcane Credit can report that as one bundled payment to TransUnion.
24-month back reporting boost
Most credit-building services only report new payments going forward. With Arcane Credit, up to 24 months of your verified past rent and bill payments can be reported retroactively.
Arcane Credit can report up to 24 months of verified past rent and bill payments to the credit bureaus — giving your credit file immediate depth from day one.
Payment history is the single largest factor in your credit score (41% of VantageScore). Back reporting adds months of positive history in a single reporting cycle.
Instead of waiting months for new payments to accumulate, back reporting lets you leverage payments you've already made — accelerating your credit-building timeline.
Back reporting gives you a head start, and every new monthly payment keeps building on top of it — compounding your credit history month after month.
How it works
Download & sign up
Get Arcane Credit from the App Store and create your account — it takes about two minutes.
Connect your bank
Securely link your bank account via Plaid so Arcane Credit can identify and verify your recurring payments.
Activate your bills
Choose which eligible payments you want to report — rent, electric, gas, water, telco, or bundled utilities.
Back reporting kicks in
Enroll in 24-Month Back Reporting (one-time fee of $39.99) and eligible past payments — up to 24 months — are reported retroactively, giving your credit profile an immediate lift.
Ongoing monthly reporting
Every month, Arcane Credit verifies your latest payments and reports them to TransUnion and Experian — building your history over time.
Bureau-by-bureau breakdown
See exactly what Arcane Credit reports to each credit bureau and any specific requirements.
TransUnion
ActiveIf Arcane Credit cannot verify additional transactions for a recurring bill for 3 or more consecutive months, the bill will be reported as closed unless and until additional payments are received and verified.
Experian
ActiveRent must be for your primary residence with no active mortgage or other rent tradeline already reported to Experian. Payments must be processed via a verified rent platform.
Equifax
Coming SoonArcane Credit does not yet support reporting to Equifax. Check back soon!
Eligibility requirements
To ensure accurate reporting, Arcane Credit has a few requirements for each payment category.
Online bank payments only
Arcane Credit verifies payments through your bank connection. Cash, check, or money order payments cannot be verified and are not eligible for reporting.
Primary residence
Rent and utility payments must be for your primary residence. Investment properties, vacation homes, or commercial leases are not eligible.
Verified providers
Payments must be made to a verified property management company, rent platform, utility provider, or telco company. Arcane Credit cross-references providers against its verification database.
No duplicate tradelines
For rent, you cannot have an active mortgage or another active rent tradeline already reported to the same bureau. This ensures clean, non-conflicting credit data.
Start building credit from the bills you already pay
Download Arcane Credit, connect your bank, and activate rent & bill reporting — it only takes a few minutes.
Reporting eligibility depends on payment verification and bureau acceptance criteria. See our Terms of Use for full details.