Recommended · 2 months free
Yearly
$49.95 / year
- Credit is built over 12 months. Pay once, two months free
- Reported to Experian and TransUnion, both
- 60-day money-back guarantee
Rent reporting to Experian and TransUnion
Your November rent on your Experian and TransUnion files by December 1.
Only if you’re enrolled before November ends. Rentaba verifies the rent you already pay through your own bank and reports it to both bureaus as on-time rent, guaranteed. $4.95 a month. No credit check, no set-up fee, cancel any time.
Two bureaus, guaranteed · No credit check · 60-day money-back guarantee
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.
Two plans · No set-up fee
Enroll before November ends and November is your first report.
Founding rate, locked 12 months
Monthly
$4.95 / month
- Join by Dec 31 and $4.95 is locked for 12 months
- Reported to Experian and TransUnion, both
- Cancel any time, 60-day guarantee
Two bureaus, guaranteed: every member’s on-time rent is reported to Experian and TransUnion. If it isn’t on both files within 60 days, we refund every dollar. Optional add-on after sign-up: Retro Boost, up to 24 months of past rent on your current lease, $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?
Both. Rentaba furnishes rental data to Experian RentBureau and is an approved TransUnion data furnisher. Every member’s on-time rent is reported to Experian and TransUnion, guaranteed. (Last updated: November 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 on the 1st of the month after you enroll. Enroll in November and your November rent goes to the bureaus on December 1. Bureaus usually post a new account within 30 days; if it isn’t on both files within 60 days, you get a full refund.
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.
November rent counts only if you’re enrolled before it ends.
Count my November rent$49.95 a year or $4.95 a month · 2 minutes · Experian and TransUnion, guaranteed