Have No Credit Score?

45 million people in the United States have no credit score and if you find yourself among them RentReporters can help change your life. Without a credit score, you are likely unable to qualify for traditional credit products like a credit card or an auto loan. RentReporters can change all this by merely reporting the rent you have already been paying to your landlord.

How do we help?

RentReporters adds a new trade line to your credit report that reflects your on-time rental payment history. We add not just your on-time payments but we add the length of your rental payment history. How many years have you been renting a house or apartment? That length of credit history is not part of your credit report.

Your rent payment history both “thickens” your credit file with positive data that is taken into account and demonstrates your ability to repay your largest monthly obligation……. your rent.

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Frequently Asked Questions

If RentReporters only reports to TransUnion how does it affect my other credit reports?

When applying for a mortgage the mortgage broker uses what is referred to as a tri-merge credit report. This takes the data found on the individual reports from Transunion, Experian, and Equifax and then combines them into a single report. The result is that the rental history we report to Transunion is included on tri-merge report just as if we had reported the history directly to Experian and Equifax.

How much will my score increase?

For thousands of RentReporters’ customers, the average increase they see in as little as 15 days is 35-50 points. We don’t run the credit scoring models owned and used by the credit bureaus, so we are unable to predict the change in your score. We do think you’ll be inspired by the stories of our customers and the dramatic changes they have experienced.

Can I get my money back if I'm not happy with the results?

Based on the positive results we have seen from thousands of customers, we’re confident that you’ll see a significant increase in your score. If you are not happy with the change you see within 48 hours after the addition of the “RentReporters/Residence” tradeline to your credit report, we’ll issue you a full refund.

It’s important for you to know that when this refund is processed, we’ll simultaneously be REMOVING your rental history from your credit report, which will also adjust your credit score back to where it would have been had the rent not been reported.

How does rent reporting work?

There are 4 simple steps to the rent reporting process:
1. Verification of your identity and rent payments: On your application, we need basic information such as your social security number, date of birth, address, and your landlord’s contact information. Your social security number ensures that your rent history is clearly matched with your credit profile.

2. Verification of your rent payments with your landlord: We work directly with your landlord to verify their identity and confirm your on-time rent payments both over the last 24 months, and in the months to come. For a fee of $50 each, we can also verify and report rent payments made to multiple landlords within the past 2 years.

3. Rent reporting to credit bureaus: We report your rent history to Transunion, one of the major credit bureaus. You receive an email notification when this is completed. We anticipate also reporting to both Experian and Equifax in the near future.

4. Tradeline creation on your credit report: A new tradeline is created on your credit report within 5-7 business days. You receive a notification when this is completed. As you continue to pay your rent each month, more information is added to this tradeline. This is why it is important to keep your subscription paid and current every month.