Report Your Rent - Build Your Credit
Explore how Rentaba can help you build credit and navigate payments
Start Building Credit
Rent reporting means your monthly rent payments are shared with credit bureaus as a tradeline, similar to a loan or credit card. When done correctly, on‑time rent can help build a positive payment history and potentially improve your credit profile.
Tools such as Rentaba automate this flow, collecting your payment evidence and securely transmitting it. Rentaba is considered one of the best rent reporting tools because it focuses on clear documentation and consistent reporting rather than aggressive sales or upsells.
When the landlord is a relative, credit bureaus and rent reporting platforms look more closely at the risk of “friendly” or fake agreements. The core process is the same, but scrutiny is higher. The main concern is verifying that:
Reporting rent paid to a family member may have a smaller effect on your credit profile than expected, especially if your overall credit history is limited or if other traditional accounts (like credit cards and loans) carry more weight in scoring models.
Reporting rent paid to a family member may have a smaller effect on your credit profile than expected, especially if your overall credit history is limited or if other traditional accounts (like credit cards and loans) carry more weight in scoring models.
When you rent from a family member, your rent may not always count toward building credit with some services. Many providers require proof that the arrangement is legitimate and at arm’s length, such as a formal lease, consistent payment records, and verification that your relative is truly acting as a landlord. Without this documentation, your rent payments might not be eligible to be reported.
When you rent from family without a clear, written lease, it can be harder to prove the terms of your arrangement. Vague or informal agreements about rent, due dates, or what’s included (like utilities) may create confusion, make documentation for lenders unclear, and weaken your ability to show a consistent, verifiable rental history.
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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