Daniel
Approved for his first NYC apartment without a cosigner
Results vary.
Rentaba for students
Your housing payments should count. Starting this semester.
Dorm fees, university-billed housing and off-campus rent, reported as on-time credit history. Verified with your student ID and housing agreement, not your RA.
No credit check · Sign up with your school email · Cancel anytime
What counts
On campus
- Dormitory and residence-hall fees
- University housing billed to your student account
- Meal plans bundled with housing
- Direct-billed room payments
Off campus
- Apartment and house rent
- Student housing communities
- Sublease and roommate shares
- Landlord-billed monthly payments
- Verified through Plaid
- Reports to major credit bureaus
- Metro 2 format
- FCRA furnisher standards
- On-time payments only
- Philadelphia, PA
Why now
Graduate with a credit file, not a blank one.
678
average FICO score for Gen Z, vs. 713 nationally
Source: Experian, 2025
<5%
of renters have their rent reported to a credit bureau
Source: Fannie Mae, 2021
4 in 5
renters whose rent was reported saw their score increase
Source: Experian RentBureau, 2025
Four years of housing payments is four years of credit history, if someone reports it. Individual results vary.
How it works for students
Three steps. Done before your next housing bill.
Step 1
Sign up with your school email
Verify who you are through Plaid. No credit check.
Step 2
Add your housing
Upload your housing agreement or lease and connect the bank account you pay from. Read-only: we never see your login and can never move money. At partner schools, we verify directly with your university, so there’s no bank account to connect.
Step 3
We report every month
We verify your housing once. After that, your bank does the verifying, and every on-time payment goes to the bureaus in Metro 2 format. Late payments are never reported.
Member preview
See your first year before you sign up.
Three quick questions — your rent, how long you’ve lived there, and that you’re a student — and we’ll walk you through exactly what gets reported, and when. No score promises. No credit check.
Walk through my first yearStudents who started early.
Brian
Approved for his first apartment near his new job
Results vary.
Dylan
Saw his credit score improve within months of joining
Results vary.
Christian
Approved for the car he wanted
Results vary.
Student plans
Plans that follow your academic year.
Quarterly
$19.95 / quarter
- Try it for one term
- Pause between terms
- Email support
Semester
$29.95 / semester
- Fall or spring, billed once
- Reported every month of the term
- Email support
Best value
Yearly
$49.95 / year
- Covers the whole academic year
- Priority support
- Price locked for 12 months
Add-on
Retro Boost
Up to 24 months of past on-time housing payments on your current lease. Every semester you’ve already paid for can count. Available in your dashboard after sign-up.
$49.95 one-time
Your school might already have you covered.
Rentaba partners with universities to give their students a partner rate. Sign up with your school email, and if your school has a partner rate, it’s applied automatically at checkout. No code, no form, nothing to look up.
Don’t see a partner rate? Tell your housing or financial-wellness office about Rentaba. The university program is free for schools, and the people who ask are usually the reason it gets added.
No Social Security Number yet? You can still start.
International students can enroll without an SSN or ITIN. We establish your credit file with the bureaus and update it when you get an SSN.
Student questions.
I live in a dorm. Does that count?
Yes. Dormitory and residence-hall fees, and university housing billed to your student account, are reported the same way rent is.
I have roommates. How does that work?
Each roommate enrolls separately. Once we verify the lease and your share of the payment obligation on it, we report that amount to the bureaus as your own.
My meal plan is billed with my housing. Does the whole charge count?
If your meal plan is billed together with housing as a single charge, the housing charge is what we report.
My parents pay my housing. Can I still use Rentaba?
Payments need to come from a bank account in your name. If a parent sends the money to your account first and you pay from there, it counts. At partner schools we verify your housing directly with the university, so it counts no matter who pays.
What happens over the summer?
On the quarterly plan you can pause between terms. If you pay for a summer sublet, that can be reported too.
Which credit bureaus do you report to?
Rentaba furnishes rental data to Experian RentBureau and is an approved TransUnion data furnisher; TransUnion reporting begins once onboarding is complete. (Last updated: October 2026)
What happens when I graduate?
Keep going. Your account carries over to a renter plan, and 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.
Work at a university? Your school can offer Rentaba to students at zero cost
Every semester you’ve paid for should count. Start with this one.
Sign up as a studentNo credit check · School email · Cancel anytime