
Build Credit While You Pay Rent
Turn your monthly housing payment into credit history with Rentaba — built for students with growing credit.
Start Building CreditYes, you can get home internet with a 600 credit score, because most internet providers care less about the score itself and more about whether they can protect themselves from non‑payment. A 600 score is considered fair, not terrible, and usually triggers either a small deposit or the requirement to use autopay. It almost never blocks someone from getting service.
Internet companies are not like landlords or car lenders. They are providing a monthly service, not giving you something expensive up front. Because of that, a 600 score usually tells them, “This person might have missed some payments before, but they are not a high-risk customer.”
Providers mainly look at risk in simple ways:
The key difference is that internet companies don’t lose a large asset if you stop paying. They can turn off service quickly, so they don’t rely heavily on credit scoring to protect themselves. This is why denials are rare, even for scores lower than 600.
So with a 600 score, you can almost always get home internet. At most, expect a deposit or an autopay requirement, but not a rejection.
Use Rentaba to build credit from the rent you already pay and open more doors next semester.
You can get home internet with a 600 credit score by choosing providers that accept deposits, prepaid plans, or soft credit checks, and by showing stable income or paying upfront for equipment.
A 600 score is considered fair, not great, but internet companies are more flexible than landlords or auto lenders. Most aren’t judging your whole financial life; they just want to know you’re low‑risk for unpaid bills or unreturned equipment. Here’s how to make it easy on yourself.
If you want to avoid dealing with deposits in the future, building your score a bit helps a lot. Tools like Rentaba quietly support that by reporting on‑time rent payments to major bureaus, which strengthens your profile over time. If that’s useful, you can read more or sign up here: Rentaba.
From cars to phone plans, strong credit helps — Rentaba lets you grow it through rent.
Everything you need to know about rent reporting, simplified and explained.
Rentaba is a platform that helps students turn their housing payments into a credit-building tool during their college years.
Rentaba provides universities with a university portal to manage their students, contribute to their financial success, and track KPIs supporting your school’s initiatives, such as, equity initiatives, institutional integrity, housing stability, sustainability, and campus impact. The university portal is completely free to universities
Yes, you can start building credit with Rentaba. You will need to upload your student ID after you sign up and complete onboarding.
Yes, Rentaba only reports your payment obligation, which allows you to start building credit. You need to provide all document proofs including housing agreement, grant or scholarship proof, and verifying your payment obligations.
Yes, actually, our mission is to help students build a better future while in college, and we are the pioneers who paved this path for on-campus student housingÂ
A lease agreement is the same as your housing agreement if you live on campus. Typically, you can download it from your student hub or housing portal.
A billing statement from your university's financial office (Bursar, Student Financial Services, etc.)Â
- Log in to your student account portal. Find and download the most recent statement showing that your housing balance is paid.
- Contact your university's housing office or bursar's office. They can provide an official letter or document that confirms you are a resident in good standing and that your housing payments have been made.
No, you continue paying the same way. You just need to upload your current lease and connect your bank account to Rentaba. If you live on campus, you will also have to upload your student account statement as a supporting document.
No, you simply connect your bank account with Rentaba. We automatically verify them each time you make a payment and give you credit for them. Rentaba is an official partner of Plaid, a leading and secure financial platform, to safely connect your bank accounts. Your data is encrypted and will never be shared without your permission. Rentaba does not access your funds; we only see the payment data we need to report.
Rentaba is a trusted partner of TransUnion and Experian. We are actively working with Equifax, and very soon will start reporting to Equifax as well.
Rentaba reports to the credit bureaus each month. Some credit bureaus require 90 days of verified payments to ensure accuracy and data integrity. After three months, they will appear on your credit report.
Yes, when you complete your onboarding and connect your bank account to Rentaba, we verify all payments you have made on your current lease up to the last 24 months and make sure to give you credit for those payments
According to a 2021 TransUnion report, this can boost credit scores by over 60 points. With a higher credit score, you can save thousands of dollars on your first car loan. It can also help you qualify for better credit cards and even makes it easier for you to find an apartment.
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