FAQ - Credit Reporting

Nope! Connecting a bank account helps them get paid faster, but it’s optional. You can still send payments directly through SupportPay, and those payments will count toward your credit reporting.

You can manually log outside payments—like Venmo, Zelle, or even cash—right in SupportPay. However, since these payments aren’t made through our system, we can’t independently verify or certify them for credit reporting.

For verified records and credit-building benefits, it’s best to make payments directly through SupportPay.

We need at least 3 months of consistent, on-time payments to report to the credit bureaus. That’s why it’s smart to start now—the sooner you build your history, the sooner you can see your score build.

Not today, since we can’t independently verify garnished wages, we’re unable to confirm those payments for credit reporting.

But we’re exploring ways to make this possible in the future. If it’s something you’d like to see, let us know here.

If you’re currently having wages garnished, you can request to stop them and start making direct payments through SupportPay instead. That way, your payments can count toward your credit. Check out our blog post on how to stop wage garnishment and take back control: here.

Great news—you get two big benefits:

1. Credit boost – If your family member sends payments to you through SupportPay, they can build their credit score, and you benefit by having a reliable, trackable payment history.

2. Income verification – You get a certified record of payments received that matches the deposits in your bank account.

In short: less stress, more proof.

We currently report to Experian, with additional bureaus coming soon. We’re actively working to expand our reporting network—because the more eyes on your positive payment history, the better for your credit score.

It depends on your credit profile, but users have seen increases of 10 to 40+ points after a few months of consistent, on-time payments. The key is building a reliable track record—and SupportPay helps you do just that.

Apps like Venmo and Zelle move money but SupportPay moves money and keeps a certified record of it.

Here’s why we’re the better option:

• • Everything in One Place: We track payments, expenses, and agreements all in one spot – no more jumping between apps and searching through old messages or papers to find what you’re looking for.

  • Credit Reporting: Payments through SupportPay can help boost your credit score, while other apps don’t offer that.

  • Certified Records: We provide official documentation that matches your bank statements, making it easy to prove payments when needed.

  In short, SupportPay is designed to keep families organized, transparent, and on track—while other apps are just designed to send money.

No one – we’re the first. SupportPay is the only modern family finance platform that gives you credit for paying family expenses and support. We’re pioneering a new way to build your credit while managing family finances.