Your credit score is more than just a number—it’s a powerful key that can unlock (or block) life’s biggest financial opportunities, from buying a car to securing your dream home. If you're ready to take charge of your financial future, Liftoff offers smart, actionable ways to build and boost your credit score—no matter where you're starting.
1. 📈 Report Your Rent Payments with Liftoff
If you’re a renter, chances are you’re making your largest monthly payment without any credit benefit. But with Liftoff’s Rent Reporting, your on-time rent payments can now work for you.
· Liftoff verifies your rent history directly with your landlord and reports up to 24 months of rent payments to TransUnion and Equifax.
· This can lead to a score increase of 20–40 points or more, especially if you have a thin credit file or are credit invisible.
· Ongoing monthly rent is reported automatically—so you continue building credit every time you pay rent.
✅ Bonus: Unlike some other rent-reporting services, Liftoff offers two-bureau reporting, helping you strengthen your credit across more platforms.
2. 👥 Piggyback on a Trusted User’s Credit
A classic move that still works ask a trusted friend or family member with strong credit to add you as an authorized user on one of their credit cards.
· You’ll inherit their positive payment history and age of the account.
· This can help improve your credit mix and average account age, both of which are key components of your score.
Liftoff recommends combining this strategy with our active credit-building tools for even faster progress.
3. 💳 Open a Credit Builder Account from Liftoff
If a secured credit card sounds intimidating—or you want a more focused approach—Liftoff’s Credit Builder Account is a safer, easier way to get started.
· You make monthly payments toward a locked savings account, and those payments are reported to all major credit bureaus.
· There’s no hard credit check required.
· At the end of the term, the money is yours—while you’ve built positive payment history along the way.
It’s like training wheels for your credit score, with none of the credit card risk.
4. 📺 Report Subscription Bills with Liftoff
Did you know your Netflix, phone, or utility bills could be building your credit too? With Liftoff’s Subscription Reporting, you can:
· Add recurring bills you already pay to your credit report.
· Increase your credit account diversity.
· Show financial responsibility beyond just loans and credit cards.
These small bills add up—especially for those with thin or no credit files.
5. 📊 Monitor Your Progress with Liftoff Credit Monitoring
Credit-building is a journey, and Liftoff gives you the tools to track your credit health in real time.
· Get alerts for score changes, new accounts, and potential fraud.
· Monitor your monthly credit-building progress.
· Receive personalized tips to keep your score climbing.
🎯 Why Liftoff is the Smarter Choice
Liftoff does more than just report your rent. It’s a comprehensive platform designed to help you build, improve, and protect your credit—without the debt traps or expensive gimmicks.
Whether you're starting from scratch, bouncing back after a setback, or trying to level up, Liftoff’s multi-solution approach—Rent Reporting, Credit Builder Accounts, Subscription Reporting, and Credit Monitoring—makes it the best choice to take control of your financial future.
Ready to boost your credit the right way?
✅ Rent.
✅ Stream.
✅ Save.
✅ Build.
All with Liftoff.