Daniel
Approved for his first NYC apartment without a cosigner
Results vary.
Rent reporting, verified through your bank
Homeowners build credit with every mortgage payment. Renters don’t. We’re fixing that.
Rentaba turns the rent you already pay into credit history, verified through your own bank and reported to the credit bureaus in the same format your bank uses. No landlord sign-up. No credit card. No new debt.
No credit check to sign up · 2 minutes · Cancel anytime
Mortgage payment
Builds credit
Rent payment
Nothing
Rent + Rentaba
Builds credit
Same payment. Same consistency. Finally counts.
- Verified through Plaid
- Reports to major credit bureaus
- Metro 2 format
- FCRA furnisher standards
- On-time payments only
- Philadelphia, PA
The problem
The system counts housing payments. Just not yours.
<5%
of renters have their rent reported to a credit bureau
Source: Fannie Mae, 2021
17%
of declined first-time buyers could have been approved if their rent history had counted
Source: Fannie Mae, 2021
104M
Americans live in rented homes
Source: U.S. Census Bureau, ACS 2024
Since July 2025, Fannie Mae and Freddie Mac accept a credit score that counts rent. It can only count rent that gets reported.
How Rentaba works
Three steps. About two minutes.
Step 1
Verify and connect
Verify who you are and connect your bank through Plaid. Read-only: we never see your login and can never move money.
Step 2
We find your rent
We verify your lease once. After that, your bank does the verifying.
Step 3
We report every month
Your on-time rent goes to the bureaus in Metro 2 format. Late payments are never reported.
Member preview
See your first year before you sign up.
Three quick questions — your rent, how long you’ve lived there, student or not — and we’ll walk you through exactly what gets reported, and when. No score promises. No credit check.
Walk through my first yearPaying for a dorm or an apartment while in school? This was built for you.
Dorm fees, university-billed housing and off-campus rent all count. Plans that follow your academic year. Verification with your student ID and housing agreement.
What the research says. What our members say.
Reported rent changes outcomes.
4 in 5
renters saw their score increase after rent was added to their credit file
Source: Experian RentBureau, 2025
58%
of participants improved, by up to 40 points on average
Source: Fannie Mae multifamily pilot, 2023
678
average FICO score for Gen Z, vs. 713 nationally
Source: Experian, 2025
Individual results vary.
Brian
Approved for his first apartment near his new job
Results vary.
Christian
Approved for the car he wanted
Results vary.
Rentaba vs. the alternatives
The simplest way to turn rent into credit.
| Feature | Rentaba | Bilt | Esusu | RentReporters | Rental Kharma |
|---|---|---|---|---|---|
| Pay rent however you already do | Yes | No — must pay through Bilt | Yes | Yes | Yes |
| No landlord sign-up or monthly check-ins | Yes (one-time lease confirmation) | Yes | Yes | No — landlord confirms monthly | No — landlord verifies monthly |
| University housing and dorm fees | Built for it | Not stated | Not stated | Yes | Not stated |
| Plans that follow the academic calendar | Quarter / semester / year | No | No | No | No |
| International students without an SSN | Yes | Not stated | SSN required | SSN required | By phone (ITIN) |
| Up to 24 months of past rent | Yes | Only rent paid through Bilt | Yes | Yes | Yes |
| Reports on-time payments only | Yes | Yes | Yes | Not stated | No — reports late payments too |
| Set-up fee | $0 | $0 (payment fees apply) | $0 | $94.95 | $75 |
| Price | From $4.95/mo, no annual commitment | Free, but $1.95–$9.95 per rent payment unless you use their card | $59/yr, billed annually (free only if your landlord is an Esusu partner) | $10.95/mo or $105/yr | $8.95/mo |
Verified against each company’s own website, October 2026. Rentaba’s Retro Boost is a $49.95 one-time add-on; see Pricing.
Pricing
Less than a coffee a month. Cancel anytime.
Monthly
$4.95 / month
- Reported every month
- Cancel anytime
- Email support
Best value
Yearly
$49.95 / year
- 2 months free
- Priority support
- Price locked for 12 months
Add-on
Retro Boost
Up to 24 months of past on-time rent on your current lease. Available in your dashboard after sign-up.
$49.95 one-time
Questions worth asking.
Will signing up affect my credit score?
No. There is no credit check, and we only report on-time payments.
Which credit bureaus do you report to?
Rentaba furnishes rental data to Experian RentBureau and is an approved TransUnion data furnisher; TransUnion reporting begins once onboarding is complete. (Last updated: October 2026)
Does my landlord need to do anything?
Not much. They don’t sign up for or report anything. Before your first report we confirm your lease with them once; after that every payment is verified through your own bank, and we only re-confirm if your lease changes.
What if I pay rent by Venmo, Zelle or an online portal?
Any payment visible in your linked bank account can be verified, including Venmo, Zelle and portal payments that leave from that account. Cash and money orders can’t.
Can I get credit for rent I’ve already paid?
Yes, with Retro Boost: up to 24 months of on-time rent on your current lease, $49.95 one-time. You add it from your dashboard after sign-up.
How long until it shows on my credit report?
We report every month. Bureaus usually take up to 30 days to process a new account, and some require three consecutive months of verified payments before it appears. Most members see it within a month.
What happens if I move?
Update your lease in your dashboard and reporting continues. Your history stays on your file.
How do I cancel?
From your dashboard, any time. If you withdraw consent, we close the account at the bureaus. The on-time history already reported stays on your file.
Your rent is already working hard. Let it work for your credit.
Start building creditNo credit check · 2 minutes · Cancel anytime