Frequently Asked Questions

If you have additional questions, please contact us >

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.

For thousands of RentReporters’ customers, the average increase they see in as little as 10 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.

A new tradeline called “RentReporters/Residence” will appear on your credit report within 5 days after rental verification and landlord validation. Most customers see an average initial change of 35-50 points in their credit score within 10 days.

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.

The one-time enrollment fee pays for landlord verification and reporting up to 2 years of rental payment history to the credit bureaus. The monthly subscription fee of $9.95 enables us to automatically verify and report your ongoing rent payments. As with any credit report tradeline, the more months of data, the greater the impact can be on your score.

Account information such as a change in address or billing information can be made through our online ticketing system. You can also contact your dedicated customer service rep with any questions. Or visit our contact page.

To prevent any fraud, we need to independently verify the identity of your landlord, who then verifies tenant and rent payment history information. This is what enables us to take the next step of reporting your 2-year history and ongoing rent payment to the credit bureaus.

It is very rare that a landlord or property manager is unwilling to work with us. If that happens, we will be unable to verify and report your rent history and will provide you with a full refund within 30 days.

We are not a credit repair service. We do provide you with the most effective way to quickly improve your credit score while you may be working with a credit repair service on other issues that take longer to resolve.

In the often competitive world of getting that one special dream rental, it can be to your advantage to have a document in hand that you can give your potential landlord that verifies your history of on-time rent payments. Your future landlord will certainly be pulling this information to evaluate you as a potential tenant. Additionally, your rental history can also effect your access to a home mortgage when you do decide to buy, and even for simpler credit transactions when you want to secure the most favorable terms.

A Rent History Certificate is provided by RentReporters as part of our 'Premium Plan."

Chelda

Part of the problem was that I had little understanding of credit. All I really knew was that credit was important, but I didn’t know the different ratings and how they worked, what was a revolving account, importance of on time payments, and why closed accounted mattered. I didn’t know what was impacting my score and how.

I learned about RentReporters and how reporting my on time rent payments could build my score. So, I signed up, and in about 15 days, my score went up 44 points to 610!

—Read More
April 2017

Chelda

Part of the problem was that I had little understanding of credit. All I really knew was that credit was important, but I didn’t know the different ratings and how they worked, what was a revolving account, importance of on time payments, and why closed accounted mattered. I didn’t know what was impacting my score and how.

I learned about RentReporters and how reporting my on time rent payments could build my score. So, I signed up, and in about 15 days, my score went up 44 points to 610!

April 2017

Leonardo

I was introduced to RentReporters.com by CreditKarma on February this year. Back then it was my first month after being transferred to the USA. I know how credit score and credit history are a complex thing here and there was no way I could live on paying foreign credit card currency exchange rates and taxes.

I could also have applied for a secured credit card, but why put $100 on a secured card if I can pay a few dollars/month to get my rent reported?

With RentReporters I got a bump up on my credit score (up ~11 Transunion and ~3 on Equifax) and one addition to my total accounts number. Now I got a non secured credit card, a good credit and can’t even keep track of how many credit card offers I get in my mailbox every month.

RentReporters even offered me the opportunity to report all my rental payments from the beginning of my contract, which would have also bumped up the age of credit history factor – just didn’t do it because my contract was recent, but that’s awesome for whoever is building credit. And I just can’t wait till you guys are able to report my old lease contracts!

—Read More
California, March 2016

Leonardo

I was introduced to RentReporters.com by CreditKarma on February this year. Back then it was my first month after being transferred to the USA. I know how credit score and credit history are a complex thing here and there was no way I could live on paying foreign credit card currency exchange rates and taxes.

I could also have applied for a secured credit card, but why put $100 on a secured card if I can pay a few dollars/month to get my rent reported?

With RentReporters I got a bump up on my credit score (up ~11 Transunion and ~3 on Equifax) and one addition to my total accounts number. Now I got a non secured credit card, a good credit and can’t even keep track of how many credit card offers I get in my mailbox every month.

RentReporters even offered me the opportunity to report all my rental payments from the beginning of my contract, which would have also bumped up the age of credit history factor – just didn’t do it because my contract was recent, but that’s awesome for whoever is building credit. And I just can’t wait till you guys are able to report my old lease contracts!

California, March 2016

Angela

I found myself unemployed, and as a result, I fell behind on my mortgage payments. I tried different loan modifications to keep my home, but that only made my situation worse, as my credit score plummeted due to all the hard credit inquiries. When it was all said and done, my credit score went down to 485!

I decided to do some additional research, and in the process, read about RentReporters while looking online. Before that, I didn’t know that my rent payments could be reported to increase my credit score. Even my real estate agent didn’t know about reporting rent payments.

I signed up in August 2016, and my score went up in about a month. Today, my score is now in the high 600s!

—Read More
January 2017

Angela

I found myself unemployed, and as a result, I fell behind on my mortgage payments. I tried different loan modifications to keep my home, but that only made my situation worse, as my credit score plummeted due to all the hard credit inquiries. When it was all said and done, my credit score went down to 485!

I decided to do some additional research, and in the process, read about RentReporters while looking online. Before that, I didn’t know that my rent payments could be reported to increase my credit score. Even my real estate agent didn’t know about reporting rent payments.

I signed up in August 2016, and my score went up in about a month. Today, my score is now in the high 600s!

January 2017

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