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. You will find the complete details of our refund policy in our terms of use.

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 is for the reporting of your ongoing rent payments. Your first month will be billed immediately at the time we are ready to report your initial history. Your account must be in good standing for us to report your initial history. 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.

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."

What is Rent Check?

RentCheck is our free service that allows us to automatically verify your rent transactions for tenants who pay their rent electronically. This limits contact with your landlord and can expedite your rental verification.

Any rent payments that are paid through an online portal, bank transfers to a third party payment service like Venmo and the Cash app, or debit card transactions qualify as electronic payments.

You will have an option to enroll RentCheck during the sign up process. Just link the bank account you use to pay your rent to your RentReporters account up.

If you miss this step, you can enroll at any time from your RentReporters dashboard.

Yes! RentCheck can also able to verify rent payments that are done by paper check and in some cases, even cash payments. Call our team to see if you qualify.

Reach out to your account specialist and they will further assist you.

Now Reporting to Equifax

Our reporting to Equifax is live!!

No, the additional reporting is included in your monthly subscription.

Yes, once we obtain your Landlord consent we can begin reporting.

Not at this time, we hope to release the functionality in the very near future, so stay tuned.

Accept the updated terms of service on your RR dashboard and you will be good to go once your Landlord has provided their consent.

Not at this time. You can view your Equifax score at www.creditkarma.com.

Alicia

I went on a journey to get my credit score up this year, after wrecking it in my 20’s, and had trouble finding ways to do it without creating more debt. I found out about Rent Reporters and decided to give it a try. I already have to pay rent! It took 5minutes to sign up online, I paid the fee, and they called my landlord about two weeks later and verified my rent payments. Rent Reporters reported THE LAST TWO YEARS I have been paying rent to the credit bureau! It gave my score a 27 point boost! (Seriously). Not to mention, customer service literally answered every question I had and quickly at that. It was super easy and definitely worth it!

—Read More

Alicia

I went on a journey to get my credit score up this year, after wrecking it in my 20’s, and had trouble finding ways to do it without creating more debt. I found out about Rent Reporters and decided to give it a try. I already have to pay rent! It took 5minutes to sign up online, I paid the fee, and they called my landlord about two weeks later and verified my rent payments. Rent Reporters reported THE LAST TWO YEARS I have been paying rent to the credit bureau! It gave my score a 27 point boost! (Seriously). Not to mention, customer service literally answered every question I had and quickly at that. It was super easy and definitely worth it!

Jonathan

My credit score was low – in the 400 and 500 range – and it just kept going down because of all the credit inquiries. So, I decided to try to build my score by using a credit repair service, but I didn’t get any positive results with them. This went on for one to two years, and I was frustrated with the lack of any progress.

I needed to do something to build and improve my credit score if I wanted to accomplish some of my goals. For instance, I’m an entrepreneur, entering the real estate business, but with a low credit score, I couldn’t get approved for a loan to purchase properties.

After feeling like I was just hitting a wall and getting nowhere, I remembered hearing about RentReporters a couple of years ago. I also had an old RentReporters email, so I went back and searched my emails, found it and contacted RentReporters – one of the best decisions ever! I signed up, and in a few days, my score increased to 677!

After Joining RentReporters:

With my new and improved credit score, I was approved for a loan, and as it turns out, I was approved by the lender who originally declined me. I’m now on my way to meeting my life goals and moving on with my real estate career, as I’m now acquiring new properties.

My Experience with RentReporters:

The team has been amazing, especially Angie who has been so helpful and always on top of getting my payment status from my landlord. What RentReporters did for me is a game changer. I highly recommend them to anyone who is looking to build and improve their credit score. They helped me, and if you pay your rent on time, they can help you, too.

—Read More

Jonathan

My credit score was low – in the 400 and 500 range – and it just kept going down because of all the credit inquiries. So, I decided to try to build my score by using a credit repair service, but I didn’t get any positive results with them. This went on for one to two years, and I was frustrated with the lack of any progress.

I needed to do something to build and improve my credit score if I wanted to accomplish some of my goals. For instance, I’m an entrepreneur, entering the real estate business, but with a low credit score, I couldn’t get approved for a loan to purchase properties.

After feeling like I was just hitting a wall and getting nowhere, I remembered hearing about RentReporters a couple of years ago. I also had an old RentReporters email, so I went back and searched my emails, found it and contacted RentReporters – one of the best decisions ever! I signed up, and in a few days, my score increased to 677!

After Joining RentReporters:

With my new and improved credit score, I was approved for a loan, and as it turns out, I was approved by the lender who originally declined me. I’m now on my way to meeting my life goals and moving on with my real estate career, as I’m now acquiring new properties.

My Experience with RentReporters:

The team has been amazing, especially Angie who has been so helpful and always on top of getting my payment status from my landlord. What RentReporters did for me is a game changer. I highly recommend them to anyone who is looking to build and improve their credit score. They helped me, and if you pay your rent on time, they can help you, too.

Mike

Several months ago my wife and I found out our credit score was in the low 600’s. We were told in December of 2015 that with the current score we would not qualify for a home loan. At this time we started to do everything in our power to raise our credit score. We paid down credit cards, checked our credit report and even became authorized users on each other’s credit cards. We stumbled across Rent Reporters in February and immediately signed up.

Our lease payment was $1700 and was not being reported as positive credit. Once we signed up just a few days later I saw the rent we were paying show up on our credit report. Rent reporters also reported the rent for the amount of time we had been living in that address which was about 18 months. We immediately saw an improvement in our credit. Another area it helped us was with our underwriter. The underwriter who ultimately approved our loan was able to see from our credit report that we had been on time with our payments to our landlord. In June of this year we were able to close on our home. Rent reporters was a big factor in raising our credit score to 691 that helped us qualify with multiple banks. I would recommend Rent reporters to anyone looking to raise credit score.

—Read More

Mike

Several months ago my wife and I found out our credit score was in the low 600’s. We were told in December of 2015 that with the current score we would not qualify for a home loan. At this time we started to do everything in our power to raise our credit score. We paid down credit cards, checked our credit report and even became authorized users on each other’s credit cards. We stumbled across Rent Reporters in February and immediately signed up.

Our lease payment was $1700 and was not being reported as positive credit. Once we signed up just a few days later I saw the rent we were paying show up on our credit report. Rent reporters also reported the rent for the amount of time we had been living in that address which was about 18 months. We immediately saw an improvement in our credit. Another area it helped us was with our underwriter. The underwriter who ultimately approved our loan was able to see from our credit report that we had been on time with our payments to our landlord. In June of this year we were able to close on our home. Rent reporters was a big factor in raising our credit score to 691 that helped us qualify with multiple banks. I would recommend Rent reporters to anyone looking to raise credit score.