There are 4 steps to reporting your rent to the credit bureaus.

1. Verification of your identity and rent payments: We need your social security number, date of birth, address, and your landlord’s contact information.

2. Verification of your rent payments with your landlord: We work directly with your landlord to confirm your on-time rent payments.

3. Reporting your history to the credit bureaus.

4. Rental tradeline added to your credit report: Your new tradeline will be added to your credit report within 5-7 days. As you continue to pay your rent each month, additional positive history is added to your tradeline monthly.

For thousands of RentReporters’ customers, the average increase is 40 points. While we would love to be able to predict a specific score we simply can’t because the scoring algorithm the bureaus use is proprietary and not available to us. We do think you’ll be inspired by the stories of our customers and the dramatic changes they have experienced.

We provide you a free credit score before we initially report your rent history and then again immediately after it is added so that you can see how much your score changed….each month thereafter your new score is added.

You will see your new score within 5-7 days after we have completed your verification.

A frozen credit report means that the credit bureau has placed a hold on your credit file, preventing new information, such as your rent payment history, from being added.  It also restricts access to your credit report.

To unfreeze your credit report, you will need to contact TransUnion at (800) 916-8800 or Equifax directly at (888) 378-4329 and they will guide you through the process of removing the freeze.  RentReporters can not unfreeze your credit report for you.

Our refund policy is simple…. If you’re not satisfied with the results after we report your initial rent history, let us know within 7 days and we will issue a full refund. Important to note that at the time of refund, we also remove your rent history from your credit report.   Check out our refund policy in our terms of use.

• Cancellations outside of the 7 day initial reporting window.

• Cancellations that occur prior to your rent history being reported.

• Prohibited Transactions and Identity Authentication– No refunds shall be provided with respect to prohibited transactions or when there is a failure to provide documents necessary to establish the identity of the tenant or landlord. Examples of prohibited transactions include:◦ Attempts to report a commercial property◦ Attempts to self-report◦ Any attempts to fraudulently report a lease or an identity

• A subscription cannot be cancelled retroactively. Any cancellation is effective at the date of cancellation

In order to keep your credit score rolling it is important to continue to update your rental tradeline with additional on-time payment history.  Without it the tradeline becomes less relevant (sometimes referred to as stale) and your score may decline as a result.  Your monthly subscription ensures that your tradeline is current but that it also reflects the maximum amount of payments.  Remember you will be able to track your progress with your free monthly credit score.

Your RentReporters Dashboard is your home for everything that is your rent and your credit. Follow your progress real-time as we validate and report your rent history. 

We will need your landlord’s help to verify your payment history but don’t worry, landlords are generally happy to help.

Yes, a sublease qualifies.  Make sure to provide your roommate’s contact information in the landlord section when you signup

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

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

Great news.  Your entire rent amount is eligible to be reported, not just your net payment.  So make sure to provide the entire amount when you sign up, not just the portion you pay personally.  For example, if your rent is $1,000 and $600 is subsidized for a net payment of $400, you would indicate $1,000 as your rent amount.

RentCheck is our free service that allows us to report your rent faster without needing to contact your landlord.

You enroll in RentCheck during signup. Simply link your RentReporters account to the bank account you use to pay your rent.

Not a problem.  Just reach out to your account specialist or our customer service team and we can fix that.

We sent our first file to Experian on 7/3/2024. It usually takes about 4-6 weeks for approval and processing. We’ll keep you in the loop and let you know as soon as the first file has posted to their database!

It couldn’t be easier.

1. Make sure your billing info and your payment method is current.  
2. Make sure your lease is current – You can see this on your dashboard via our mobile app or by logging in. 
3. Enroll in RentCheck – Don’t wait for your landlord to get back to us to verify your rent history. Take control by enrolling in RentCheck and making sure it is linked to the account from which you pay your rent. 

We’ll send you email updates about your Experian reporting. For real-time updates, download our mobile app and enable push notifications so you’re always in the know!

Yes! We’ll report up to 24 months of rent history from your current lease. If you have past leases that ended within the last 24 months, we’ll include up to 24 months of history from those leases too.

If you don’t see your rent payments on your Experian report after we have notified you, first check that all your account details are up to date. If everything looks good and you still don’t see it, reach out to our support team via chat.