If you know you’re going to be late with your rent or unable to pay at all, communication is the key. First, contact your landlord and let them know. Many landlords are willing to work with you and may allow deferred payments, partial payments or other accommodations. If you’re able to come to an agreement, and you stick to the terms of that agreement, your landlord will continue reporting you as on time, with a positive impact to your credit score. Next, call us and let us know. Keep us in the loop so we can properly report the new arrangement.

No. If you’re unable to come to an arrangement with your landlord, we’re still able to continue reporting you each month with a special disaster code that will ensure no negative impact to your credit score during this crisis. This type of reporting will have a neutral impact on your credit score.

Again, the key here is communication. You’ve worked hard to build up your score, and your credit score is more important now than ever. If you stop reporting, your rental tradeline will become stale and have an overall negative effect on your credit report. Don’t let that happen! Now is not the time to cancel.

  • Ask for help. This applies to all of your creditors and lenders. If you’re unable to make a payment, call and let them know. Many will be willing to work with you to make special arrangements, but they won’t make these accommodations if you don’t ask.
  • Pay what you can. Try to avoid late payments by paying at least the minimum payment due. If you can’t make the minimum payment, don’t forget to call in advance of the due date and ask for assistance. Generally, late payments don’t affect your credit report until 30 days after the missed payment, so you have a longer window of time to get that payment in.
  • Review your expenses. Go through all of your monthly spending and look for ways to trim expenses. Look for monthly subscriptions that can be cancelled. Call your cell phone or cable company and ask them to review your plan to see if you can reduce the cost. Create a list of all of your monthly minimum payments due, and if you’re unable to pay them all, start making calls!
  • Make a budget. Make a list of what you’re earning and what you’re spending each month. Plan in advance how you will spend your money and avoid spending money on any items that are not on the list.

Average Increase of Here's how it works

  • We report your payments to and
  • A new tradeline gets added to your credit report
  • See your new score within 10 days

Sign Up in 5 Simple Steps

Remember to enroll in RentCheck during signup.
RentCheck is FREE and allows your rent payments to be automatically verified each month.

 

1
About You

Tell us who you are so we can match you to your credit file.

2
Who’s Your Landlord

Tell us about your landlord and how we can reach them.

3
Your Lease

Tell us about your rent terms.

4
Enroll In RentCheck

Link the bank account you pay your rent from to your RentReporters account.

5
Checkout

Complete your sign up!

Learn How Rent Reporting Can Help If You Plan To..

Rebuild Your Credit

Get your life back on track now with RentReporters! We'll report your rent to the credit bureau and help you towards credit independence.

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Become A Homeowner

RentReporters helps you improve your credit profile, making it easier to qualify for that new home and help you get the very lowest interest rate.

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Establish Credit

By reporting your rent, RentReporters can help you establish a credit score so that you can qualify for traditional credit products like a credit card or an auto loan.

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Watch Our Video To Learn More

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