Bloom+
Build Your Credit History With Bloom+
Now you have the opportunity to improve your credit scoreFootnote 1 by reporting recurring payments you’re already making, like rent, utilities and phone bills. It’s that simple.
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How Does Bloom+ Work?
Bloom+ connects directly to your Navy Federal checking accounts and allows you to easily report up to 5 recurring payments to eligible credit bureaus.
Getting started with Bloom+ is easy!
- Enroll in Bloom+
- Link your Navy Federal accounts
- Select the eligible payments you want to report
- Watch your credit history grow
Credit Improvement on Your Terms
Take Control of Your Credit With Bloom+
Recurring payments for things like rent, utilities and phone bills aren’t typically reported to the major credit bureaus, but Bloom+ can help them count toward your progress.
Report Only the Payments You Want
With Bloom+, you get to choose the payments to report, giving you full control of which transactions get submitted.
Build Credit Even If You’re Starting FreshFootnote 1
Don’t have any credit yet? No problem! You can take full advantage of Bloom+ by reporting transactions like rent, utilities and phone bills made from your checking account.
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How to Request & Read Your Credit Report
Your credit report gives you your credit history and can tip you off to identity theft and fraud alerts. You can get a free credit report each year.
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FAQs
Which recurring bills are eligible for credit bureau reporting by Bloom+?
Bloom+ supports the reporting of bills for expenses like rent, utilities (water, electricity, gas) and telecommunications services (internet, cable TV and cellular phone bills). You can report up to 5 payment types to eligible credit bureaus:
- 1 rent bill
- 1 telecommunications bill
- Up to 3 utility bills
Which credit bureaus will receive my recurring bill payments reported through Bloom+?
Can Bloom+ report bills paid with cash, check or peer-to-peer payments?
Why isn’t my recent recurring bill activity showing on my credit report?
What if I miss a payment on a recurring bill that Bloom+ is reporting?
Why do I see Bloom+ listed with the financial institution that I use on my credit report?
How do I stop a specific recurring bill from being reported to the credit bureaus?
Disclosures
Using Bloom+ does not guarantee any specific results, including any improvement to your credit score. The Bloom+ service is intended to help enrich the data set that is used to calculate your credit score by using alternative repayment history that is commonly not used in various credit score models. There are many factors that are generally used in credit score models, and, therefore, Bloom+ cannot predict with certainty how its service will change your credit score, nor can Bloom+ control which credit scoring models will take the furnished repayment data through Bloom+ into consideration.
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