Your rent can now count toward a mortgage.
For the first time, the credit scores mortgage lenders use can include your rent payments. That only works if your rent is on your credit report. RentReporters puts it there.
Last updated October 2026
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What changed
When rent starts counting for your mortgage
Now
Conventional loans
If your loan goes to Fannie Mae or Freddie Mac, lenders can now use a score that counts rent.
January 1, 2027
FHA loans
A common choice for first-time buyers. FHA lenders can use the new scores too.
Date to come
FICO 10T
A second score that counts rent. Approved and on the way. Get your on-time rent added to your credit report now, so it’s there for lenders to see.
Why it matters
Rent is the biggest payment most people make. Until now, it did nothing for your mortgage.
A renter who paid on time for five years and a renter who never rented used to look the same to a mortgage lender. The new scores change that.
They count rent. Every on-time payment on your credit report is now part of what a lender sees.
They reward a steady record. The new scores look at about 24 months of history, so the sooner your rent shows up, the more you bring to the table.
Most landlords don’t report rent to the credit bureaus. That’s where we come in.
How much rent could count toward your mortgage?
Use our calculator to see how much rent history we could report to the credit bureaus, where the new mortgage scores can count it.
Rent Amount
$ 0/mo
$0
$10000
Months in Unit
0 months
0 years
4 years
That’s real, positive history lenders will see on your credit report.
What to do now
Start the history a lender will see.
Start now, so your history is ready when you apply. We verify your rent and report it to Equifax, Experian, and TransUnion in as little as 10 days. The 24-month history the new scores look at starts building once it appears on your report.
Start reporting your rentKeep going, and add your past rent. Every month adds to the history the new scores look at. You can also add past rent: up to two years from your current lease, and up to four years in total with a previous lease.
Log in to add past rent
Good to know
Tips before you apply
?
Ask which score they use
Lenders can choose Classic FICO or a newer score that counts rent. Ask early so you know your rent history is part of the picture.
+2
Don’t start from zero
Add up to two years of past rent from your current lease, and up to four years in total by adding a previous lease. The longer your on-time record, the more lenders see.
3×
All three bureaus, covered
Mortgage lenders pull your report from Equifax, Experian, and TransUnion. We report your rent to all three, so it’s there wherever they look.
✓
Start before you shop
The new scores reward a steady record. Starting months before you apply gives lenders more on-time history to see.
Rent on your report helps your credit profile but doesn’t guarantee approval or a particular rate.
Questions
Rent and mortgage questions
Will my mortgage lender use a score that includes rent?
More and more lenders can. Fannie Mae and Freddie Mac accept VantageScore 4.0 from every approved lender, and FHA adds it in January 2027. When you start talking to lenders, ask which score they use.
Does past rent count?
Is this the same as the 2021 Fannie Mae change?
No. In 2021 Fannie Mae let its underwriting system look at rent in bank statements. The 2026 change puts rent into the credit score itself, which is a much bigger step.
Does my landlord have to do anything?
We verify your rent with your landlord or property manager. Usually they just confirm a few details.
What if I plan to buy in a few years, not now?
That is the best time to start. The new scores reward a long record of on-time payments, so the history you build now is what a lender sees later.
“With my new and improved score, my family and I were able to get approved for a mortgage, and recently, we bought our forever home!”