Vivix Credit Solutions offers a wide range of financial and credit services, and now assists with alternative credit solutions. Although many creditors don’t know much about this, it is a service open to anyone with a valid Social Security number and credit file. Simply, when Vivix Credit Solutions agrees to help you with alternative credit data, they will work with the three top credit bureaus as well as your monthly unreported creditors in order to get your payments history reported. This unreported data usually consists of rent payments as well as those payments made to utility companies. In some cases, other long-term creditors such as medical establishments may agree to report.

Alternative credit data can come from any regularly paid account that is worth noting to the three top credit bureaus. Common examples of monthly payments include: rent, phone, gas and electric, cable, storage units, or medical payments. Vivix Credit Solutions can help you decide if an account is worth reporting and how to go about getting that credit reported. Through a network of service providers, they can accomplish this for you, as it can be rather difficult for an individual to deal with the credit bureaus directly.

When a service provider agrees to report the payments they receive from you on a regular basis to the credit bureau, they must agree to subscribe to the bureau’s reporting program. Some creditors find it hard to get their alternative credit listed on their reports, which is why using financial professionals such as those at Vivix Credit Solutions is imperative to the process. They will help you each step of the way and will answer all your questions regarding the positive outcomes you can expect.

One disclaimer about alternative credit reporting is that you must keep your accounts in good standing. If Vivix Credit Solutions is able to get your cellular phone payments listed on your credit report but you later default on your contract, you will take a hit on your positive payment account history. This is another reason why working with a professional will only serve to benefit you. They may even be able to help you set up an automatic payment plan for your accounts so that your payments are never late.

Vivix Credit Solutions recommends always being aware of what is on your credit profile. You can check your report once per year for free through a government-provided website, but after that, there is a fee for any subsequent reports in a given calendar year. Alternative credit is a great option for improving your credit and Vivix Credit Solutions is here to assist you in getting your accounts reported. Although alternative credit data doesn’t improve your credit score as quickly as payment data reported by banks, the benefits are enough to make it well worth the time it takes to report them.