Spark was founded on a simple idea: the millions of people who pay rent and bills on time every month deserve credit for it. Literally.
7251 W Lake Mead Blvd, Las Vegas, NV 89128Traditional credit scoring rewards people who already have credit cards, mortgages, and loans — leaving renters and underbanked Americans behind.
We're rewriting that playbook by turning everyday payments — rent, electric, gas, water, and cell phone — into building blocks for a stronger credit profile.
5
Bill types eligible for reporting
24 mo
Of past payments eligible for back reporting
98%
Of your VantageScore 4.0 covered by what we report
Every product we build and every decision we make traces back to these principles.
Credit shouldn't be a privilege reserved for those who already have it. We exist to help everyday renters and bill-payers get the credit they deserve.
No hidden fees, no fine print games, no fake promises. We tell you exactly how our products work, what they cost, and what to expect.
Building credit doesn't have to be complicated. We turn the bills you're already paying into a path forward — automatically.
We focus on what actually moves the needle: payment history, account age, and credit mix — the factors that make up the majority of your score.
Join thousands using their everyday bills to grow a stronger credit profile.
Get Started