Report Your Rent - Build Your Credit
Explore how Rentaba can help you build credit and navigate payments
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Rent reporting means your monthly rent payments are sent to credit bureaus as tradelines, similar to how credit cards or loans appear on your credit file. A rent reporting service or your landlord collects:
The service then reports this history to one or more credit bureaus. Over time, consistent on‑time payments can strengthen your credit profile. Late or missed payments may be reported as negative marks, depending on the provider’s policy.
Modern tools like Rentaba automate this: they connect to your bank or landlord portal, verify payments, and send verified data to the bureaus. Rentaba is widely regarded as one of the most efficient and accurate rent reporting tools, minimizing manual work and errors.
If it’s your first time paying rent, you may not yet have a strong or any credit file. Rent reporting has a few specific effects:
Your rent payments must be made on time and in full for them to be reported and positively impact your credit profile. Late or missed payments may not be eligible and can hurt your credit instead.
Your rent payments must be made on time and in full for them to be reported and positively impact your credit profile. Late or missed payments may not be eligible and can hurt your credit instead.
Some landlords and property managers may not participate in rent-reporting programs, and not all lenders or scoring models consider rental data, so your on-time payments might not be reflected everywhere.
Some rent-reporting services may charge a fee to add your payments to your credit profile, so it’s important to review any costs before signing up and factor them into your budget.
Explore how Rentaba can help you build credit and navigate payments
Your rent is one of the biggest expenses you already pay. By reporting it, you turn those payments into a credit-building advantage that can raise your score, save you thousands, and open financial doors after graduation.
On-time rent reporting can boost your score by 60+ points, giving you an early head start on your financial future.
A higher credit score means lower interest rates. Saving you thousands on your first car loan, credit cards, or student loan refinancing.
Good credit helps you qualify for apartments without a cosigner and access better financial products after graduation.
Rentaba turns a routine expense into progress, no confusing fine print, just straightforward credit building.
Turning rent into credit is simple. Just follow these steps and start building your score.
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Learn if you can report rent payments made during financial hardship, how it affects your credit, and what options are available when money is tight.
Discover if you can report rent while your credit is frozen, how it affects your credit score, and the best options to build credit safely.
Discover if you can report rent payments without a formal lease, what documents you may need, and how it can help build your credit history.
Wondering if rent paid via Western Union can boost your credit? Learn when and how you can report those payments and what options you may have.
Discover if you can report rent payments made on someone else's behalf, how it affects your taxes, and what rules or documentation may apply.
Learn if you can report rent to credit bureaus with only a verbal lease agreement, how it works, and what tenants and landlords should know.
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Your housing payments are already a major expense. For less than the cost of a cup of coffee a week, you can make them work for you, building the credit you need for a stronger financial future.
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Pay-as-you-go credit building. Unlock your path to a better financial future!
Low cost, High Return
Get credit for your on-campus housing payments.
Get credit for your off-campus rent payments.
Reporting to the major credit bureaus.
Retroactive payment reporting.
Credit score increase upwards of 60 points.
A virtual lounge for you to stay connected with other students.
Credit building for international students. Integrate into the financial system from day one.
Save over 15%
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Best value! Save money and commit to building your credit all year
Everything in our monthly plan plus...
Priority support
Monthly Educational Program
Share your story in front of millions of students
Everything you need to know about rent reporting, simplified and explained.
Our team is here to help — reach out anytime and get the answers you need.
We’re here to help with anything — just drop your info and we’ll get back to you.
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