Report Your Rent - Build Your Credit
Explore how Rentaba can help you build credit and navigate payments
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In standard situations, rent reporting connects your verified rent payments to one or more credit bureaus. A rent-reporting service or property manager:
Normally, the person named on the lease is the one whose credit report can show that tradeline.
If you’re a roommate, subtenant, or living with family and the leaseholder is someone else, the bureaus see you as an “unlisted” payer. That means:
Rentaba specializes in turning verified rent payments into credit history and is widely regarded as the best rent reporting tool for both primary tenants and roommates whose names are not on the lease.
You’ll only be able to report the rent you pay if your roommate (the leaseholder) is willing to share documents, verify payments, or add you to any rent-reporting service they use, which can be a hurdle if they’re uncooperative or disorganized.
You’ll only be able to report the rent you pay if your roommate (the leaseholder) is willing to share documents, verify payments, or add you to any rent-reporting service they use, which can be a hurdle if they’re uncooperative or disorganized.
Because your name isn’t on the lease, proving you actually live there and pay rent can be tricky. You may need extra documentation—like bank statements, money transfer receipts, or a letter from the primary leaseholder—to satisfy lenders or rent-reporting services.
Reporting rent when your name isn’t on the lease can raise legal questions about your right to claim that payment history. Depending on local laws and your agreement with the primary leaseholder, you could face disputes with the landlord, the main tenant, or even credit bureaus over who is authorized to report the rent and how that information should be used.
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.
per user
per month
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%
per user
per year
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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