Recommended · Fall and spring
Academic year
$49.95 / year
- Covers fall back to August and all of spring, one payment
- Reported to Experian and TransUnion, both
- 60-day money-back guarantee
For students who pay rent, on campus or off
Graduate with a credit history, not a blank file.
Enroll before December 1 and your whole fall semester counts, August through December, reported to both Experian and TransUnion as on-time rent, guaranteed. $29.95 for the semester. No credit check, no loan, no card.
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
Sign up with your .edu email
Pick the semester plan. One payment covers the whole current term, back to its start.
Step 2
Tell us how you pay housing
Connect the bank account the payment leaves from (read-only through Plaid), or upload your housing statement and payment proof. If you pay any part of your housing, it counts.
Step 3
We report every month
On the 1st we send your verified on-time rent to Experian and TransUnion, including the months since the semester started. Late payments are never reported.
Student plans · One payment per term
Enroll before December 1 and fall counts back to August.
One term
Semester
$29.95 / semester
- Covers the whole current semester, back to its start
- Reported to Experian and TransUnion, both
- 60-day money-back guarantee
On a quarter system? $19.95 a quarter. Students at partner schools get a discounted rate at checkout. 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. Housing covered 100% by a grant or scholarship can’t be reported, because the payment isn’t yours.
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, including the months since your semester started. Enroll in November and fall 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 housing in your dashboard and reporting continues, dorm to apartment or school to school. 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.
Fall counts only if you enroll before December 1.
Count my fall rent$49.95 a year or $29.95 a semester · 2 minutes · Experian and TransUnion, guaranteed