See exactly which payments Spark reports — and to which credit bureaus.
| Category | Equifax | Experian |
|---|---|---|
| Rent | Spark may report one recurring rent payment where:
– the bill is for your primary residence
– you do not have an active mortgage or other active rent tradeline reported to Equifax
– payments are made online to a verified property management company or rent platform (e.g. Yardi, AppFolio, Buildium) | Spark may report one recurring rent payment where:
– the bill is for your primary residence
– you do not have an active mortgage or other active rent tradeline reported to Experian
– payments are made online to a verified property management company or rent platform (e.g. Yardi, AppFolio, Buildium) |
| Telco(internet, cable TV, and cell phone bills) | — | — |
| Bundled Utilities(combination of gas, electric, and/or water payments) | — | — |
| Gas | — | — |
| Electric | — | — |
| Water | — | — |
Reporting eligibility depends on payment verification and bureau acceptance criteria. Spark does not guarantee that all payments will be accepted by every bureau.