Bloom+

Build Credit with the Bills You Already Pay - (It's Free)

Turn Your Bills Into Credit-Building Power (Yes, that's right, it's FREE!)

Now you have the opportunity to build your credit history* by reporting recurring bills you’re already paying, like rent, utilities and phone bills. It’s that simple.

Here's How It Works

The Bloom+ reporting tool connects directly to your InTouch Credit Union checking account and lets you easily report up to 5 recurring bills—such as rent, utilities, and phone service—to a major credit bureau**. These types of payments usually aren’t reported, but now you can choose which eligible bills you want to count toward building your credit history. Even if you don’t have credit yet, you can start establishing it simply by reporting the payments you’re already making.

Click to Enroll

Bloom+ does not remove negative information from your credit report and does not guarantee any particular result.

Frequently Asked Questions

Q. What is Bloom+ and how does it work?

A. Bloom+ is a service provided by Bloom Credit which allows you to select certain recurring bill payments that you would like to report to the major credit bureaus in order to demonstrate positive payment history. These recurring bills may include rent, utilities (water, electricity, gas), and telecommunications services (internet, cable TV, and cellular phone bills) identified from your checking and/or savings accounts.

Q. Who is eligible to enroll in Bloom+?

A. Anyone who is 18 years or older with a checking or savings account at InTouch Credit Union is eligible to enroll in Bloom+.

Q. Can I use Bloom+ if I have a limited or no credit history?

A. Yes. Bloom+ is designed to help individuals with thin or no credit files establish and build a positive credit history by reporting qualifying recurring payments.

Q. How can Bloom+ help me?

A. With Bloom+, you can expect certain recurring bills, such as rent, utilities, and telecommunications to be included in your credit history. Once furnished to the credit bureaus, this additional data may be included in certain credit score calculations that show a more holistic view of your responsible consumer behavior beyond traditional credit accounts. (Important Note: Bloom+ does -NOT- report negative (missed) payments.)

Credit scores are influenced by many factors, including payment history across all reported accounts, the amount of debt carried, and credit history length.

* 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.

Upon enrolling and confirming bill payment activity, credit score trending will take up to 90 days to begin being tracked for newly opened ITCU accounts. Existing ITCU accounts with more than 90 days of activity will be able to display credit score trending upon Bloom+ enrollment.

** Bloom+ reports eligible recurring bills to TransUnion. See FAQs for additional information about Bloom+.