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First, get a high-performance computer . Then create a wallet for Bitcoin and other popular cryptocurrencies. Once that is done, join a mining pool to maximise profitability. These pools are groups of miners who combine their resources to increase their mining power.

1. Set your Apple Watch on its charger and make sure that it is charging.
2. On your iPhone, go to Settings > Bluetooth.
3. On your iPhone, open the Apple Watch app, then tap the My Watch tab.
4. Scroll to Music and tap it, then tap Add Music.
5. Find the music that you want to sync.

First off, self-reporting isn’t exactly what the term entails. As an individual, you do not have the right to contact the credit reporting agencies (Equifax, TransUnion, and Experian) in order to send them information regarding your credit and payments. The only entity that can do that is an officially recognized “data furnisher”, which in this case would be a bank, credit union, mortgage lender, credit card issuer, debt collection agency, etc.

So, what does self-reporting actually entail, and how do you report to credit agencies? Self-reporting is a process involving a third-party service that will report your payments to all three credit bureaus. This is an option for individuals who’ve noticed that not all of their payments are being reported to the credit bureaus (you can check your credit reports for free on AnnualCreditReport.com on a weekly basis until April 2022).

Credit bureaus automatically gather this type of information: student loans, personal loans, auto loans, mortgages, and credit cards. However, the following information is not taken into account, and could potentially make a big difference on your overall credit score:

Can pay the rent build credit? Yes. Rent is something that is usually not taken into account when updating your credit report, which is unusual because for many it can be the biggest monthly expense. Equifax, Experian, and TransUnion are willing to include rent payments in your credit reports if you report them. With that being said, not all credit scoring systems, such as FICO and VantageScore, take rental payments into consideration. For example:

When choosing a rent-reporting service, there are a few aspects that you need to keep in mind, such as:

Does your property manager already use a service for reporting rent to credit bureaus? If so, it will save you a lot of time and money.

Bills are a tricky payment subcategory. Do utilities affect credit? They do. Late payments on bills such as utilities, phone bills, and bills for streaming services are reported to the credit bureaus in the form of delinquencies (if you’re 30 days past due), which can harm your credit score and you’ll ultimately have to work outhow to erase those negative items from your credit report. Timely payments, on the other hand, are not reported automatically and therefore cannot improve your credit score.

That is why it’s wise to choose a reporting service that will do the reporting to the credit bureau for you. Some credit bureaus such as Experian offer specific services that can help you report these types of bill payments. Experian Boost was designed specifically to get your positive cellphone, streaming service, and utility bills payment history onto your Experian credit report.

Individuals cannot self-report by themselves. In order to self-report, they would need to use third-party services that can do the reporting for them. There are multiple services that can do this for you, but they all specialize in specific areas, such as rent reporting or reporting your utility payments. Some of the best options for utilizing your nontraditional payments for your credit score are:

UltraFICO, created by FICO, Experian, and Finicity, is an alternative credit scoring model which takes your bank account information into consideration. This model also encompasses information not usually gathered by traditional credit scoring models.

By connecting your bank account, be it checking, money market, or savings account, you’ll have the following information taken into consideration for your alternative UltraFICO credit score:

If you want to start using your UltraFICO score, you first have to apply for credit. When applying, you can ask for your UltraFICO score to be taken into consideration instead of your regular FICO score.

Through Experian’s specialized reporting service Experian Boost, you can add the data that doesn’t traditionally get evaluated by the credit bureaus such as utility bills and cell phone bills history. Through this service, you can easily learn how to add utility bills to your credit report and increase your credit score.

What Experian Boost requires is for you to connect your checking account i.e. the account you use to pay bills (utility, cell phone, and streaming services). Afterward, you will have the option to choose which on-time payments you want to add to your Experian credit report.

Experian Boost’s basic membership package is completely free, which is a great offer. However, the service comes with its limitations – there’s no rent payment reporting and no updating of the other two major credit bureau’s credit reports.

Experian offers a service called RentBureau where the best rent reporting companies and landlords can report rent payments directly to Experian. This is a great option if you’re a user of one of the following payment services: RentTrack, eRentPayment, PayLease, Rentler, PayYourRent, ClearNow, Cozy, RentReporters, and Rental Kharma.

Experian RentBureau gets rental payment history data from collection companies, property owners, and even electronic rent payment services. This is a free-of-charge service provided by Experian for your Experian credit report.

RentReporters uses a unique rent-reporting setup that might work in favor of those who do not want to pay rent online or have to change the way they currently pay rent. RentReporters works with both the renters and their landlords.

They first verify with your landlord that your payment was made and report it only to TransUnion. You have to initiate the request, then pay your rent directly to your landlord as usual as well as a RentReporters fee, making it very easy to report payments to the credit bureau. Your payments show up on your TransUnion credit report in just a matter of days. Afterward, you will receive your new VantageScore 3.0 credit score.

RentReporters has a $94.95 setup fee, with an additional $9.95 a month for ongoing reporting costs. This service also allows you to add previous landlords for a price of $50 each.

LevelCredit is a rental reporting agency that takes rent payment information from your linked financial account and offers to report to two out of the three major credit reporting agencies, more specifically Equifax and TransUnion. In addition, the service also provides utility payment reporting, but exclusively to TransUnion.

LevelCredit costs add up to $6.95 per month. With a subscription, you can track your credit score (VantageScore 3.0 based on TransUnion data) and credit report via its website’s dashboard, as well as receive tips and tricks on how to build credit. According to LevelCredit, the service uses bank-level security to encrypt all information.

Rental Kharma is a rental reporting agency that reports only to TransUnion for a specific fee. This type of information appears as a tradeline on your final credit report, more specifically it can either be classified as a “rental agreement” or an “open” account.

Similar to RentReporters, Rental Kharma is one of the best rent reporting companies. It’s important to remember, however, that it’s not a payment platform, meaning you cannot pay your rent through it. It is up to the landlord to confirm with the company whether you’ve made your payment on time or not. The enrollment fee is $50, with an ongoing monthly cost of $8.95.

With all doubts cleared on how to self-report to credit bureaus, it’s time to go over the pros of doing so.

Naturally, the biggest advantage of self-reporting is that it can help you fix your credit score. Your payment history can take up a big chunk of your credit report, and can ultimately be the deciding factor when credit bureaus calculate your overall credit score. The bottom line is that payment reporting builds credit over time. However, credit scores are calculated using specific scoring models, and some of the newer or older versions vary in the information they ultimately take into consideration. For example, FICO’s most used version doesn’t consider rent payments, but all VantageScore versions do.

We mentioned that payment reporting builds credit, but it also helps to get your first credit card or take out a loan. Taking control of your payment history and how much of it shows up on your credit report can ultimately prove to be very beneficial. The same goes for applying to rent a house or an apartment. Although you might be making all of your payments on time and have no delinquencies on record, credit card issuers and landlords might be ultimately persuaded by the accounts you’ve self-reported such as past on-time rent payments and positive utility bill payments.

Although self-reporting has a number of pros and can ultimately only benefit your credit score, there are a few downsides as well that all individuals looking to use reporting services should consider.

As with any service of this kind, the prices can add up. Prices vary between $6.95 and $100, depending on the type of service you choose and how reputable it is. For some, reporting to a credit bureau might be quite costly in the long run, despite its benefits.

Not all of the information you send will be accepted onto your credit report, and even if it is, it might ultimately not be taken into account by the scoring model used. For information such as rent payments, you can end up paying for information that the credit bureaus already have. This is the case if your landlord already does report payments to the credit bureau or his/her company is a data furnisher itself and sends information on your payments on a monthly basis.