DIY Credit Reports

 Experian, one of the largest credit reporting agencies, now allows consumers to create their own credit histories. About 28 million American adults don't have credit reports with major firms and thus have difficulty getting credit. Often their only options are payday loans and other high-cost options. Many people of color, immigrants, college students, and people who choose to avoid debt are in this situation.

In 2019 Experian started allowing consumers to add utility and cell phone account history to their reports to demonstrate they pay their bills. 

Experian's new program, GO, consumers can link their recurring non-debt bill payments to their reports. This process allows consumers with no formal credit history to demonstrate credit worthiness. According to The Wall Street Journal writer AnnaMaria Andriotis, consumers who add non-debt payment accounts to their new credit reports go from no FICO score to 655, a score considered the threshold for decent credit.

Check out: https://www.experian.com/consumer-products/experian-go.html

Don't forget to regularly check your free credit report from the three major credit reporting agencies at https://www.annualcreditreport.com/index.action