Karma Credit Boost
Using Karma Credit Boost for Real-Time Credit Boost ™
Payment history makes up 35% of your total credit score. On-time payment are crucial for your credit success. Real-Time Credit Boost is made possible because of Real-Time Bill Pay. Instant credit boost for both business and individual / personal using real-time bill payment processing services and solutions. Your payments are instant, final (irrevocable - "good funds") and secure. Our "Good Funds" payment gateway allows for instant real-time digital Karma Credit Boost, B2B, C2B & B2C payments that are immediate, irrevocable, intra-bank and/or interbank account-to-account (A2A) transfers that utilize a real-time messaging system connected to every transaction participant through all U.S. based financial institutions. Funds are available for use by the receiver ( Biller ) and real-time confirmation is provided to both you ( "the Payer / Sender" ) and receiver in seconds.
Pay your Bills On-Time! Receive a FICO
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and Scores NOW!
| Feature / Action | Experian Credit Boost |
Real-Time Credit Boost |
| Cost | Free | Free, only $1.75 per payment (you decide which Bureaus to report to - no extra charges) |
| Credit Bureau Agency | Experian Only | Experian, Equifax, TransUnion & D&B D.U.N.S. |
| Type of Payment | not applicable | Bank Transfer, Check, Credit & Debit Card, ACH, Real-Time Payment, Venmo, Zelle |
| When is payment data processed | Search of your Bank Account, end-of-month | Real-Time reporting when payment made using our Payment Services |
| Payment interface | not applicable | API, Biller Website, Email, Invoice, IVR, Kiosk, Online Banking Bill Pay, POS, Telephone, Text and Walk-in |
| Biller Type | Phone, Rent & Utility | Phone, Rent & Utility and more* |
| How is payment identified | Requires access to your Bank account | You choose which payments to report, One-Time or Recurring |
| Who can use the service | Individuals only | Individuals and Businesses |
| * You decide which payments to report |
About Karma Credit Boost
Today Payments is a leader in the evolution of instant real-time payments. We were years ahead of competitors recognizing the benefits of Real-Time Payments funding through Real-time Direct Deposits and Real-time Direct Payments. Our business customers receive faster availability of funds on deposited items and instant notification of items presented for deposit all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology.
- ~ Instantly raise your FICO ® score
- ~ Get credit for your mortgage, rent, phone, utility bills and more
- ~ New credit scores take effect immediately
- ~ One-Time & Recurring Real-Time Bill Payments
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours. It's time to manage your business credit. Your business credit has a direct effect on your bottom line. A higher business credit score can mean the difference between getting a line of credit, business loan, office lease, etc.
Real-Time Bill Pay
Instant Real-Time Bill PaymentsHIGHLY RECOMMENDED!
All U.S. companies / billers should enroll
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Real-Time Invoicing
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Biller / Merchant Enrollment
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Real-Time Funding
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Instant Notification to Biller & Payer
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Accounting Software, CRM, CMS Integration
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Real-Time Credit Boost for both Business & Consumer Payers
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Payment Choice: ACH, Card, Real-Time Payment, Zelle, Venmo
What is: Real-Time Bill Pay
Real-Time Bill Pay is offered through banks and credit unions to enable consumers, both individuals and businesses, to use their computer or mobile banking app to easily set up all billers, receive notifications on payments due, view billing details and manage multiple accounts in one place, while also allowing customers to specify when and how much to pay various accounts. Processing for both B2B & C2B ~
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