You're creditworthy. Your U.S. credit file just doesn't know it yet.
When you move to America, your credit history doesn't move with you — you start at zero. Power2Prosper turns the rent you already pay every month into real U.S. credit history, so lenders finally see what you've always known.
The credit system overlooked you. We don't.
Built to measure borrowing — credit cards, auto loans, mortgages. Never built to count rent, bills, or living within your means. So millions of responsible people stay credit invisible.
That is not a discipline problem. That is a measurement problem.
Americans are credit invisible or have unscorable files with the major bureaus.
Immigrants are denied a basic credit product within their first three years in America.
Of rent, utility, or remittance payments counts toward a traditional credit score by default.
Three steps. No debt required.
Connect your rent.
Link the rent you already pay. No new loan, no security deposit, no co-signer, and no U.S. credit history required to start.
We report it.
Your on-time rent payments are sent to the credit bureaus and added to your file — the U.S. track record lenders look for.
Your history grows.
Each month of on-time rent builds visible U.S. credit history, typically appearing on your report within one to two billing cycles.
You do not need to take on debt or change how you live. You just need a system that finally counts what you are already doing.
Built for people starting their U.S. financial life from scratch.
Here's what the data actually shows: immigrants aren't less creditworthy. Once they're finally in the system, their credit scores run 26.7 points higher than U.S.-born peers in the same neighborhood. The only thing missing is U.S. history — and rent reporting builds exactly that.
You left a strong credit history behind.
Foreign credit doesn't follow you across the border. Reporting your U.S. rent is how you start a visible American file from day one — without starting your whole financial life over.
You pay rent, but can't get approved.
No card, no apartment, no phone plan without a co-signer — all because you have no U.S. track record yet. Turn the rent you already pay into the history lenders ask for.
You've never had credit reported in your name.
First-generation, recently banked, or simply overlooked by a system built around borrowing. Rent reporting builds history from a payment you already make every month.
Simple plans. One job: your financial life, finally counted.
Every plan shows you your full credit score and the factors affecting it — from the moment you register. Cancel anytime. No contract. Prices plus applicable sales tax.
Your rent starts building your credit.
- 1 Bureau Credit Report & Score
- Score Insights
- Debt Analysis
- Score Tracker
- Credit Alerts
- Build Credit Rent
- Identity Protection
- $5M Insurance & Restoration
- Subscription Manager
- Privacy Protect
Build your credit while we watch all three bureaus.
- 1 Bureau Credit Report & Score
- Score Insights
- Debt Analysis
- Score Tracker
- Credit Alerts
- Build Credit Rent
- Identity Protection
- $5M Insurance & Restoration
- Subscription Manager
- Privacy Protect
Complete protection for your whole financial life.
- 3 Bureau Credit Report & Score
- Score Insights
- Debt Analysis
- Score Tracker
- Credit Alerts
- Build Credit Rent
- Identity Protection
- $5M Insurance & Restoration
- Subscription Manager
- Privacy Protect
Not sure? Most people start with Starter and upgrade later. You can change plans anytime.
Building U.S. credit as a newcomer, answered
Do I need a Social Security Number or ITIN to build credit?
Most credit-building paths require an SSN or ITIN so your activity can be matched to a credit file at the bureaus. If you have one, you can start building U.S. history right away with reported rent.
Will my credit history from my home country transfer to the U.S.?
No. U.S. credit bureaus generally cannot see foreign credit history, so newcomers start at zero. That's exactly why reporting your U.S. rent matters — it's how you begin a visible American credit file.
Does reporting rent actually affect my credit score?
It can. FICO Score 9 and 10T and VantageScore include rental data, and all three bureaus accept it — but only when someone reports it. Power2Prosper handles that reporting so your on-time rent can count.
Do I need a credit card or loan before I can build credit?
No. Rent reporting is designed for people with little or no credit. You build history from a payment you're already making every month, without taking on any debt.
How soon will my rent show up on my credit report?
Reported rent typically appears on your credit report within one to two billing cycles. From there you can track your score month by month inside Power2Prosper.
Can I cancel anytime?
Yes. There's no long-term contract — you can cancel whenever you want, and plans start at $9.99 per month.
You have already done the hard part.
Your rent is already paid. Your bills are already on time. Start getting credit for it — today.
Get started — from $9.99/moSee your full credit score the moment you register. Cancel anytime.