
Build US credit as an international student
Rentaba helps international students turn rent payments into US credit history.
Start Building CreditMost international students save the most money and avoid paperwork with prepaid or no-credit-check plans from Mint Mobile, US Mobile, Visible (Verizon), or T-Mobile Prepaid. These work with passports, accept foreign payment cards, and don’t lock you into contracts. The best mix of price + coverage for most students is: Mint for lowest cost, US Mobile for best coverage, Visible for unlimited data, and T-Mobile Prepaid for strong city coverage and easy activation.
You don’t need a SSN for these plans. Postpaid plans (AT&T, Verizon, T‑Mobile regular accounts) often require credit checks or deposits, so prepaid is safer and simpler.
Check campus coverage before choosing. Each school favors different networks. Ask current students or check campus IT pages.
Bring an unlocked phone. It must support US bands for 4G/5G. If your phone is older or region‑specific, speeds may be slow.
Expect SIM activation to take 5–15 minutes. eSIM works instantly for Mint, US Mobile, Visible, and most T‑Mobile plans, which helps if you need service at the airport.
Unlimited plans aren’t fully unlimited. They allow high usage but may slow down during busy times. For most students this is not a problem.
International calling: Mint and US Mobile offer cheap add‑ons, Visible uses apps like WhatsApp instead, and T‑Mobile has simple add-on packs.
Overall: choose Mint for lowest cost, US Mobile for best overall reliability, Visible for heavy data, or T‑Mobile Prepaid for easiest in‑store help.
See how Rentaba uses rent payments to support early credit building.
Learn what happens if your student visa expires while abroad, including risks, travel rules, and steps to regain legal student status.
Learn whether international students can visit home during the school semester, including rules, travel tips, and how to maintain visa compliance.
Find out how international students can buy phones on installment plans, including eligibility, required documents, and top carrier options.
Learn how international students can open a US bank account, required documents, top banks, and tips to simplify the process.
Learn how international students can build credit history in the US with practical steps, tips, and tools to start strong financially.
Learn whether international students need credit history to rent housing and explore simple alternatives to secure accommodation abroad.
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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