You can upload receipts for household bills such as utilities, phone services, insurance, and more. Debt Management Plan (DMP) payments are also supported by uploading a monthly Statement of Accounts. We don’t currently support credit card or loan payments.
Build credit
from bill receipts
Turn bill payment receipts into credit history. Improve your
credit score by an average of 30 points in 3 months.*
* Works with TransUnion®, Experian®, and Equifax®. Results may
vary based on your history with other credit products. The example
credit score and improvement shown in this diagram are for
illustrative purposes only and do not guarantee specific results for
individual users. Actual credit score changes may vary based on
various factors, including individual financial behavior and credit
history. These changes may or may not be favorable.
Build credit, even while on a DMP
Report DMP payments and build your credit as you work with your
counsellor. Keep progressing while you manage your finances.
Pay bills on time, and
we'll help you get
credit for them.
Timely payments are key to building financial health, and they deserve
recognition. That’s why we report your bill payments to all three credit
bureaus.
Get started 
Build credit history for
a better tomorrow.
Better credit scores enjoy lower interest rates on loans, mortgages,
and credit products.
Get started 
How it works
-
Upload a Bill Receipt
Take a picture of a recent bill receipt, or upload it. We’ll handle the rest. -
Confirm Your Details
Enter details to send your bill receipt to your credit file. -
Receipt reported!
Your bill receipt is reported to the major credit bureaus.
Clear & simple pricing
Choose between one-time reporting or a flexible subscription—no
commitments, cancel anytime. You’re always in control of your
financial journey.
Get started 
Frequently asked
questions
What types of bills can I upload?
How long does it take for my payment to be reported?
After you upload your first bill receipt, Pebble processes the payment within two weeks. Once processed, it may take a few additional weeks for the tradeline to appear on your credit report, as credit bureaus have varying update cycles.
Can this service help me improve my credit score?
While using Pebble Credit Reporter can positively impact your credit score, we cannot guarantee an improvement.
The effect on your score depends on a variety of factors, including your existing credit history, credit utilization, and other lines of credit. Equally, if you miss your payment with us, Pebble Credit Reporter can hurt your credit score.
Is my personal information safe?
Yes, your connection to and from Pebble is secured using 256-bit end to end encryption.
We conduct full security, compliance, and privacy audits regularly to make sure all your information is secure.
How do I know if my payment was successfully reported?
You will receive an email when your payment has been successfully processed. Pebble will charge your chosen payment method two weeks after your bill receipt upload. Please make sure you have sufficient funds to avoid negative reporting.
What happens if my credit score doesn’t change?
Everybody’s credit score profile is different; be patient and upload bill receipts consistently to give yourself the best chance of building payment history and improving your credit score.
Ready to build your credit?
Make the most of your bills and start building credit today!
Upload receipt