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Report rent and bills to all 3 credit bureaus. Build credit from payments you already make. Starts at $2/month.
Data compiled from public sources
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Boom Pay (formerly Boom Credit) is a credit-building platform that reports your rent and recurring bill payments to all three major credit bureaus — Equifax, Experian, and TransUnion. This makes it one of the most comprehensive bill-reporting services available, as most competitors only report to one or two bureaus.
Boom Pay can report rent, utilities, phone bills, insurance, streaming subscriptions, and other recurring payments. The service starts at $2/month for basic reporting and offers higher tiers with additional features like past payment back-reporting and priority support.
The key advantage over competitors: reporting to all three bureaus means your credit-building activity is visible to any lender, regardless of which bureau they check. Many free or cheap alternatives only report to TransUnion, which limits the impact.
Boom Pay works by connecting to your bank account (via Plaid) to verify payment activity, or through manual landlord verification for rent reporting. eligibility claim to verify is required to sign up.
Review secured card profiles by fees, eligibility fields, bureau reporting, and graduation-policy context.
This is state-level context for Credit Building consumers in Austin, TX. It does not confirm that Boom Pay or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Boom Pay offers 5 services including Rent reporting to all 3 bureaus, Utility bill reporting, Phone/insurance/subscription reporting, Bank account verification via Plaid, Credit building from existing payments.
Boom Pay has profile signals associated with Building credit across all 3 bureaus from rent and bills, Budget-conscious credit builders ($2/month), People with thin credit files wanting maximum bureau coverage.
Key strengths: Reports to ALL 3 bureaus (most only report to 1); Very affordable — starts at $2/month; Reports rent AND bills (not just rent). Areas to consider: Newer company, less track record; Back-reporting may cost extra.
In the Credit Building category, comparable providers include Credit Strong, Priority Tradelines, Self. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
profiled for Building credit across all 3 bureaus from rent and bills and Budget-conscious credit builders ($2/month). Strength: Reports to ALL 3 bureaus (most only report to 1). Watch out for: Newer company, less track record.
Credit Strong offers FDIC-backed credit-builder loans and revolving accounts that simultaneously build credit history and savings, reporting monthly to all three major bureaus.
Profile signals: Consumers with thin credit files or no credit history needing to establish a positive payment track record, People who want to build credit and accumulate savings at the same time
Priority Tradelines sells authorized user credit tradelines—adding existing accounts with perfect payment histories to your credit report to boost scores within weeks.
Google rating from 268 reviews
Profile signals: Consumers with very limited credit history seeking quick score improvements for mortgage/auto loan qualification, Individuals with damaged credit who need rapid score recovery before major financial applications
Credit-builder loans that help you build credit history while saving money. eligibility claim to verify. Reports to all 3 bureaus.
Profile signals: People with no credit comparing ways to build history from scratch, Consumers comparing savings-linked credit-building features
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