Your reliability.
Finally recognized.
You've been paying bills on time for years. That reliability should count toward your financial future. Worth makes it visible—and makes it powerful.
We see what others miss.
Traditional credit scores miss most of your financial life. Worth sees all of it—because everything you do with money reveals your reliability.
Banking stability
How you manage your checking account, maintain balances, and handle deposits shows financial planning capability
Payment reliability
Rent, utilities, wireless—all your on-time payments in one complete picture demonstrate consistency over time
Family validation
Family members can provide character references—context about your reliability that traditional systems ignore.
You're not starting from zero
Three years of rent on time? That's proof. Never missing a phone bill? That counts. Managing your checking account well? That matters.
Worth recognizes the reliability you've already built. Start today, and everything you're already doing well starts working for your financial future.
Everything connects
When you pay your bills on time through Worth, six things happen at once. That's why Worth works faster than doing it yourself.
Pay bills on time through Worth
One action. Multiple benefits that compound over time.
Reports to bureaus
Every on-time payment goes to all three credit bureaus.
Banking history strengthens
Shows you manage money responsibly.
Credit score improves
Your score goes up with each payment.
Payment streak grows
Longer streaks mean stronger credit.
Qualify for phone financing
Get a new phone with no money down.
Earn future rewards
Perks like free international calling and gift cards.
Here's what makes Worth different: when you pay your rent, you're not just paying for housing—you're building credit, strengthening your banking history, and unlocking future benefits. One action, multiple wins. That's integration that actually matters.
Progress without pressure
Your reliability recognition happens naturally. No forced milestones, no manufactured urgency—just steady progress as you live your life.
Your financial life connects
Worth sees your complete financial picture from day one. Rent payments, phone bills, banking habits, and family support—everything that shows your reliability starts working for you.
Recognition begins
Your payments report to all three credit bureaus. Worth starts qualifying you for opportunities based on your complete reliability—not just your credit history.
Financial options multiply
Three months of reliability unlocks more than credit score points. Better wireless terms, priority support, and device financing eligibility.
Financial transformation complete
6 months of demonstrated reliability unlocks what traditional credit scoring requires years to achieve. Device financing with no money down. Credit score improvements averaging 60+ points. Most importantly: you've proven character that opens the door at Worth.
Beyond Worth
Your established credit history now works everywhere. Traditional lenders see your 12-month track record of perfect payments. Your credit score qualifies you for unsecured cards, auto loans, and mortgages. Worth transformed invisible reliability into universal financial credential.
*Credit score impacts vary based on individual credit history, consistency of payments, and credit bureau calculations. Improvements shown represent averages across users with thin credit files maintaining perfect payment history for stated periods. Your results may differ.
Family trust as financial support
Your family knows your reliability firsthand. Worth lets them provide character insights while ensuring everyone builds credit based on their own financial actions—not assumptions about who they know.
Family as financial support network
Family members can provide character references through Worth—similar to how community banks historically assessed reliability through personal knowledge. This helps Worth understand your support network and financial context, but your credit decisions remain based solely on your individual payment behavior.
Community insightMulti-generational credit building
Family plans allow parents to help adult children build credit through secured card co-deposits or authorized user arrangements. Grandparents can gift deposits toward family members' secured cards. Everyone's credit building is based on their own payment history—financial dignity means individual responsibility and recognition.
Family coordinationCommon questions
Everything you need to know about building credit with Worth
Startnow.
Your bill payments already prove you're reliable.
Pay them through Worth and make them count.