Build credit with a bill you already pay
Your phone payment can now help you get the credit you need for that next phone, car or apartment
So what is a credit score, anyway?
It's a number that tells lenders how likely you are to pay back money you borrow. Lenders and landlords use your credit score and credit history to make decisions that will impact your life. Here's where it shows up in real life.
Landlords check it
No credit history usually means a co-signer, a bigger deposit, or a rejection.
Lenders price it
Two people buy the same car and pay different amounts for it. The sticker price is the same; the interest rate isn't.
Utilities ask for it up front
No history often means a deposit on your phone plan, electricity, or internet. Same service, more money before you've used any of it.
Here's the thing nobody tells you about credit.
It mostly comes down to two things: do you pay on time, and how long have you been doing it? You can fix the first one anytime. The second one requires time.
At 18, credit probably isn't on your radar. But fast forward a few years to your first apartment lease or your first car loan, and suddenly it matters a lot.
The good news is that starting is easy. You don't need a credit card or a big purchase. Just pay your phone bill on time, every month, and we report it to the credit bureaus automatically. Start building your credit today by paying a bill you already pay.
With War Eagle Mobile you don't need anything new to start building credit
Building credit generally requires a deposit you can't really spare. A credit card you didn't want. A loan you take out just to prove you can pay it back. Basically, you have to spend money to prove you're good with money. That's a lot to ask when you're just getting started.
So we flipped it. You already pay a phone bill every month. We simply take all those on-time payments and report them to all three major credit bureaus. So when a landlord or lender checks someday, there's already a history there.
No deposit. No new debt. Nothing extra to remember. Just pay your bill like you already do.
HOW IT WORKS
3 steps to building your credit score
Purchase a plan
Look for a plan with the Credit Builder badge next to it and make your purchase.
Activate your line
Activate your line by following our simple 3 step flow. Bring your existing number or get a new one.
Confirm your identity
Use a form of ID to confirm who you are so that the credit bureaus can match the account to you.
Our credit building plans
Available on all our top tier plans
For fans
Unlimited Max
Taxes & Fees Included
Built for frequent travelers, busy professionals, and lifelong Tigers.
- Unlimited Data 30GB of high speed data*
- Up to 15 GB hotspot data
- 5 GB international data roaming**
- International calling from the US to 200+ destinations See details
- Up to 7% Contribution to Auburn**
- VIP perks and experiences
- Unlimited Talk & Text
- Wi-Fi calling
- Credit builder included
For employees and students
Unlimited Max
Taxes & Fees Included
For on-the-go employees, and frequent travelers.
- Unlimited Data 30GB of high speed data*
- Up to 15 GB hotspot data
- 5 GB international data roaming**
- International calling from the US to 200+ destinations See details
- Up to 7% Contribution to Auburn**
- VIP perks and experiences
- Unlimited Talk & Text
- Wi-Fi calling
- Credit builder included
Student Unlimited Pro
Taxes & Fees Included
Built for power users, travelers, and students on the move.
- Unlimited Data 25GB of high speed data*
- Up to 15 GB hotspot data
- 3 GB international data roaming**
- International calling from the US to 200+ destinations See details
- Monthly contribution to Auburn**
- VIP perks and experiences
- Unlimited Talk & Text
- Wi-Fi calling
- Credit builder included
*After using your plan's high-speed data, you'll stay connected at reduced speeds—up to 512 kbps for UNLIMITED MAX and STUDENT UNLIMITED PRO, supporting video/audio streaming, browsing, navigation, and email.** See our terms of service for details below
Reported every month to the bureaus that matter
We report to the three bureaus that matter.
Equifax, TransUnion and Experian are the three credit bureaus lenders and landlords check when they look you up.
Cancel any time.
You can cancel your line and your credit building account whenever you want. You won’t owe anything extra for leaving.
You keep what you build.
Every on-time payment stays on your credit report, even after you leave us.
Credit builder questions
FAQ
We report your monthly payments as an installment tradeline — just like a loan — which helps build credit history across all major credit scoring models, including older ones. This is much more impactful than a typical utility or rent report.
Normally, your phone bill doesn't help your credit — but War Eagle Mobile is different. Because we report your payments as an actual installment account, many customers see their scores go up in just a few months.
It can — but it isn't guaranteed. On-time monthly payments help build your credit history over time. Your score depends on your full credit profile (like payment history, utilization, length of credit and any negative items), so results vary by person.
When you pay your War Eagle Mobile bill on time each month, we report it to Equifax, TransUnion and Experian. Reporting happens on a monthly cycle after your payment posts, and it may take a few weeks to show up on your credit report.
Look for the Credit Builder badge on a plan. Once you purchase it and activate your line, confirm your identity so the credit bureaus can match the account to you.
There's no lock-in. You can cancel your line and your credit building account whenever you want, and you won't owe anything extra for leaving. Every on-time payment stays on your credit report, even after you leave.