Frequently asked questions

You enroll with a few details about you and your lease. We verify your rent with your landlord or property manager, then report your on-time payments to all three credit bureaus, where they help build your credit history.

Yes. We can report up to two years of past payments on your current lease. Previous leases qualify too, as long as they ended within the past two years: each one can be added for $50, and we’ll report up to two years of payments from it. Altogether, your reported history can reach back as far as four years. Leases that ended more than two years ago can’t be added.

Yes. Dorm payments, student housing, and rent paid to a family member can all be reported, as long as we can verify the payments with the person or organization you pay. It’s a common way for students and young adults to start building credit with rent they already pay.

Yes, a sublease qualifies. Just provide your roommate’s contact information in the landlord section when you sign up.

Great news: your entire rent amount is eligible, not just the portion you pay. If your rent is $1,000 and $600 is subsidized, you’d report the full $1,000.

No. The credit bureaus don’t allow rent reporting on commercial buildings like offices, retail, or warehouse space. RentReporters is only for residential rent in a place you live.

We verify your rent in one of two ways. Most commonly, we confirm it directly with your landlord or property manager: they get a quick text or email and confirm your payment with a short reply each month. Or you can use RentCheck, our free service: connect the bank account you pay rent from and flag your rent payments right in your dashboard, so verification happens automatically with less landlord involvement. In some cases we may ask for additional documentation, like a copy of your lease.

In most cases, yes. Your landlord or property manager receives a request by text or email and confirms your rent with a quick reply each month, so make sure their contact information is accurate and they’re opted in to receive messages. Prefer less landlord involvement? RentCheck verifies through your connected bank account instead.

No. Enrolling does not require a hard credit pull.

You could see your updated score in as little as 10 days after we verify and report your rent. Look for your rent on your credit report under the name “RR/Residence.” Reporting time depends on landlord cooperation and timely receipt of any documentation. Individual results vary, and a specific score cannot be guaranteed.

Customers see an average increase of about 40 points after verification. Individual results vary based on your full credit profile, and a specific score cannot be guaranteed.

We report to all three major bureaus: Equifax, Experian, and TransUnion.

If your landlord doesn’t respond to our verification requests, we’ll follow up with reminders over the next few weeks, and a quick heads-up from you often helps. You can also use RentCheck, our free bank-connected verification. If we can’t complete verification within that window, we’ll pause your enrollment. You’re welcome back anytime: once we receive the information we requested, we’ll pick up right where we left off.

A frozen credit report means the bureau has placed a hold on your file, which blocks new information, including your rent history, from being added. To lift the freeze, contact TransUnion at (800) 916-8800 or Equifax at (888) 378-4329 and they’ll walk you through it. RentReporters can’t unfreeze your report for you.

You get free access to your TransUnion credit score: once before we initially report your rent history, again immediately after it’s added so you can see the change, and then updated every month so you can track your progress.

Credit thrives on fresh, consistent history. If a rent tradeline stops receiving new on-time payments it becomes stale, and its positive impact can fade. Your monthly subscription keeps your tradeline current and growing every month, and you can track your progress with your free credit score.

Your RentReporters dashboard is home base: follow your verification and reporting progress in real time, view your credit score, and manage your account.

Each bureau updates on its own timeline. It’s common for rent history to appear on TransUnion and Equifax first, and Experian updates can take several weeks longer to display. If your rent is already showing on TransUnion or Equifax, things are progressing as expected.

First, check your Experian credit report directly at Experian.com (creating an account there is free); it’s the most accurate view of what Experian is currently showing. If your rent was reported more than 30 days ago and still isn’t on your Experian report, chat with our support team and we’ll review your account.

RentCheck is our free feature that gives you more control over your rent reporting. Connect the bank account you use to pay rent and flag your payments right in your dashboard, so your rent is verified and reported on time each month with less landlord involvement.

Activate RentCheck during signup or anytime from your RentReporters dashboard. Link the account you pay rent from, tag your payments, and watch your rent get reported.

Log into your dashboard and click View Transactions at the top, then Click Here to Relink, and add the correct account.

A one-time $94.95 fee is due at signup. The monthly plan is then $10.95/month, beginning once we’re ready to report your rent. The annual plan is $8.75/month ($105 for the year, paid at signup), a 20% lower monthly rate.

SmartPay lets you split the one-time $94.95 signup fee into three payments. Enter the SmartPay coupon code at checkout to use it. It applies to the signup fee only — your subscription is billed separately. Please note: if the SmartPay installments aren’t completed, your enrollment is canceled and your rent tradeline is removed from your credit report, with no further refunds available.

We offer a money-back guarantee. Refund eligibility begins once your rent is first added to your credit report. If you change your mind for any reason, let us know within 7 days of being notified that your rent was reported, and we’ll remove your rent history and refund your signup fee.

Refunds aren’t available before your rent history has been reported, or outside the 7-day window. They also aren’t available when reporting couldn’t happen for reasons outside our control, like missing identity documents, a landlord who wouldn’t cooperate with verification, attempts to report a commercial property, or self-reporting. Cancellations can’t be applied retroactively, and the $25 VIP expedite fee is non-refundable.

You can cancel anytime from your RentReporters dashboard: log in and you’ll find the option in your account settings.