Frequently Asked Questions

Credit Blooms offers three plans: Essential at $49/month, Growth at $99/month (most popular), and Prosper at $149/month. All plans include rent reporting and credit-building tools.

Absolutely. You can upgrade or downgrade your plan at any time. Your credit-building progress and reported payment history stay with you regardless of plan changes.

No. All Credit Blooms plans are month-to-month. You can cancel anytime — there are no long-term contracts or cancellation fees.

Yes. If you're not satisfied within the first 30 days, contact our support team for a full refund.

Credit Blooms verifies your on-time rent payments with your landlord or property manager and reports them monthly to Equifax, Experian, and TransUnion as positive payment history.

Your landlord or property manager simply verifies your rent payments when we reach out. It's a quick process — taking under two minutes — and there's nothing for them to install or manage.

Yes! Bloom Growth and Bloom Prosper members can add up to 24 months of past rent payment history to their credit file at enrollment.

Update your rental information in your dashboard and we'll connect with your new landlord to continue reporting without interruption.

Members often see improvements after positive payment history begins reporting. Reporting timelines vary by bureau and individual credit profile. Some members may see changes within a few months, while others may take longer.

No. Credit Blooms does not perform a hard credit inquiry. Enrolling will not impact your credit score in any way.

Results vary based on your starting credit profile, how long you report rent, and your overall credit activity. Many members see their credit profile strengthen over time as positive payment history is reported.

Yes. Building positive payment history through rent reporting can strengthen your credit profile, helping you qualify for better mortgage rates and terms.

Yes. Credit Blooms uses 256-bit bank-level encryption to protect all member data. We never sell or share your personal information with third parties.

We collect the information needed to verify your identity and rental history: name, address, rental information, and payment history verification. See our Privacy Policy for full details.

Yes. Upon cancellation, you can request that we delete your personal information from our systems. Note that rent payment history already reported to credit bureaus cannot be removed from your credit file.