Personal Bill Reporting
Plans and Pricing
Personal Bill Reporting Memberships
Leverage your everyday bill payments to build and improve your personal credit score.
Rent Payments
Description
Report your monthly rent payments to major credit bureaus to build personal credit.
Utility Payments
Description
Turn your regular electricity, gas, and water bill payments into positive credit history.
Phone Payments
Description
Build credit by reporting your consistent mobile phone bill payments.
Streaming Services
Description
Leverage your streaming subscriptions (e.g., Netflix, Spotify) to boost your credit score.
Internet/Cable
Description
Report your on-time internet and cable bill payments to enhance your credit profile.
Gym Memberships
Description
Use your fitness commitment to build a stronger personal credit history.
How HL Hunt's Personal Bill Reporting Works
Leverage your everyday expenses to build a stronger personal credit score.
1. Connect Your Bills
Securely link your accounts for recurring personal bills like rent, utilities, phone, or streaming services. We make it easy to identify eligible payments.
2. Pay On Time, As Usual
Continue making your bill payments on time, just as you normally would. There's no change to your payment process, only added benefit.
3. We Report to Bureaus
HL Hunt securely reports your verified, on-time payments directly to major personal credit bureaus: Experian, Equifax, and Transunion.
Turn Your Monthly Bills
Into Credit Building Power
Stop letting your rent, utilities, and subscription payments go unnoticed. HL Hunt reports your everyday bills to credit bureaus, transforming routine expenses into credit score improvements.
Average monthly bills that can build credit
Average credit score increase in 6 months
Additional credit access gained on average
The Hidden Problem Costing You Thousands
Invisible Credit History
You pay $2,000+ monthly in bills, but credit bureaus never see it
Missed Opportunities
Years of perfect payments that don't improve your credit score
Higher Interest Rates
Poor credit costs you $200,000+ in extra interest over your lifetime
What You're Losing Every Month
Bills We Transform Into Credit Building Power
We report over 200+ types of bills to all three major credit bureaus. Here are the most impactful ones:
Rent Payments
HIGHEST IMPACTYour largest monthly expense becomes your biggest credit builder. Average rent: $1,200/month = $14,400/year in credit building power.
Utility Bills
HIGH IMPACTElectric, gas, water, trash, internet. Essential services that demonstrate stability and responsibility to lenders.
Phone & Internet
MEDIUM IMPACTMobile, landline, and internet services. Communication bills that show consistent payment patterns.
Streaming & Subscriptions
EASY WINSNetflix, Spotify, Hulu, Disney+, Amazon Prime, and 100+ other subscription services you're already paying for.
Insurance Premiums
HIGH VALUEAuto, renters, health, and life insurance premiums. High-value payments that demonstrate financial responsibility.
Memberships & More
BONUS POINTSGym memberships, professional associations, software subscriptions, and other recurring payments.
How Personal Bill Reporting Works
Our proprietary system makes it effortless to turn your bills into credit building power. Here's exactly how it works:
Secure Account Connection
Connect your existing bill accounts using bank-level 256-bit encryption. We never store your login credentials.
✓ No changes to your payment methods
AI-Powered Payment Tracking
Our advanced AI monitors your payment history 24/7. We track on-time payments, amounts, and payment consistency.
✓ Completely hands-off for you
Comprehensive Credit Reporting
Every month, we report your positive payment history to all three major credit bureaus using industry-standard Metro 2 format.
✓ Maximum credit score impact
Credit Score Monitoring & Optimization
Track your credit score improvements in real-time with our dashboard. Get alerts when your score increases and optimization tips.
✓ Watch your credit grow monthly
Why HL Hunt Bill Reporting Beats The Competition
| Feature | HL Hunt | RentTrack | Rental Kharma | PayYourRent |
|---|---|---|---|---|
| Monthly Cost | $29.99 | $49.95 | $39.99 | $59.99 |
| Credit Bureaus Reported | All 3 | 2 | 1 | 2 |
| Types of Bills Reported | 200+ | Rent Only | Rent Only | Rent + Utilities |
| Setup Time | 5 Minutes | 2-3 Days | 1-2 Days | 3-5 Days |
| Credit Score Monitoring | ✓ | ✗ | ✗ | ✗ |
| Historical Reporting | ✓ Up to 24 months | ✗ | 6 months | ✗ |
Proven Results from Personal Bill Reporting
Over 50,000 customers have transformed their credit using our bill reporting service
see credit score improvement within 45 days
average credit score increase in 6 months
average additional credit access gained
client satisfaction rate
What This Means For Your Wallet:
Average savings on mortgage interest
Average savings on auto loans
Average savings on credit cards annually
Real Success Stories: Bills That Changed Lives
Bills Reported:
- • Rent: $1,100/month
- • Electric & Gas: $180/month
- • Internet: $79/month
- • Phone: $85/month
- • Netflix, Spotify: $25/month
"I had no credit history at 28. After 6 months of reporting my bills, I qualified for my first apartment lease AND got approved for a $15,000 car loan at 4.9% APR. This service literally changed my life!"
• Saved $3,200 in interest vs. bad credit rates
• Approved for first apartment lease
Bills Reported:
- • Rent: $1,400/month
- • All Utilities: $220/month
- • Phone & Internet: $165/month
- • Gym Membership: $45/month
- • Streaming Services: $35/month
"After bankruptcy, I needed to rebuild fast. Reporting my bills gave me positive payment history immediately. 8 months later, I qualified for a mortgage and bought my first home!"
• Saved $28,000 in interest over loan term
• Rebuilt credit after bankruptcy
Bills Reported:
- • Student Housing: $650/month
- • Utilities: $95/month
- • Phone Plan: $55/month
- • Netflix & Spotify: $25/month
- • Gym Membership: $29/month
"As a college student with no credit, I was worried about my financial future. In just 4 months, I went from no score to 689! I got my first credit card with a $3,000 limit and 0% intro APR."
• 0% intro APR for 18 months
• Head start on post-graduation finances
Bank-Level Security You Can Trust
256-Bit Encryption
Same security used by major banks and financial institutions
SOC 2 Certified
Independently audited security and privacy controls
Read-Only Access
We can only view payment history, never make changes
GDPR Compliant
Full data privacy protection and user control
Every Month You Wait Costs You Money
You're already paying these bills. Every month you don't report them is a missed opportunity to build credit and save thousands.
Monthly bills going unreported
Annual credit building potential wasted
Lifetime cost of poor credit