Abstract: Systems and methods disclosed in this application are related to furnishing consumer-permissioned alternative data to one or more credit bureaus (e.g., Equifax, Experian, TransUnion, or any other worldwide CRA/major credit bureau). A user of the service platform provides credentials sufficient to access that user's account with a biller. Those credentials can be passed on to a third-party bill management and payment platform, which uses the credentials to log into the user's account with the biller. In some embodiments, bill data can be requested directly from a third-party biller without using a third-party bill management and payment platform. The third-party bill management and payment platform retrieves bill data from the biller and passes the bill data back to the service platform. The service platform then processes that bill data before generating a report to send to one or more credit bureaus.