💪 Building Payment History

Services to Build Credit:

• Boom Pay - Report rent payments to all 3 bureaus
• Rent-Reporters - Add rental history retroactively
• Navy Federal Pledge Loan - Secured credit building loan
• Self Lender - Credit builder loan that pays you back
• Credit Strong - Combines savings with credit building

Why Payment History Matters:

Payment history is 35% of your FICO score—the single largest factor.

Quick Wins:

• Set up autopay for all bills
• Pay before the due date
• Never miss a payment (even $1 minimum)
• Report rent and utility payments