Rentaba × Higher Ed
Help students graduate with a credit file, not a blank one. At no cost to your institution.
Rentaba turns the housing payments your students already make into on-time credit history at the major credit bureaus. Students enroll themselves. Your team’s lift is a point of contact and a way to confirm housing records. We handle the rest.
Zero cost to your institution · Students opt in directly · On-time payments only
What a partner student sees
Sign up with a school email
Student picks on- or off-campus housing
Monthly reporting, on-time only
$0
cost to your institution
~3 min
student sign-up
24 mo.
of past housing payments can be reported
On-time only
late payments are never reported
The case
The students who need credit most are the ones leaving without it.
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
47%
of college students say they don’t feel prepared to manage their money
Source: AIG / EVERFI, 2019
Since July 2025, Fannie Mae and Freddie Mac accept VantageScore 4.0, a credit score that counts rent payments when they are reported. Housing payments are often the first, largest and most reliable bill a student pays. Reported, they become a credit history a graduate can use. Unreported, they disappear.
Individual results vary.
What we ask of you.
One point of contact. A way to confirm housing records for students who enroll, either a designated housing administrator who confirms enrollment and billing, or a data feed from your housing system. Optional co-branded outreach to let students know the program exists. That’s the list.
What we never ask for.
No student data before a student enrolls and consents. No budget line. No software to install. No reporting to the bureaus on anyone who hasn’t opted in. No involvement in disputes beyond confirming a record if we ask.
The operational flow
Eight stages. One call to start.
1
Intro call
30 minutes, we walk through this page against your campus.
2
Agreement
Zero-cost partner agreement, reviewed by your counsel.
3
Housing confirmation set-up
We agree how housing records are confirmed, by an administrator or a data feed.
4
Partner rate configured
Students who sign up with your school email get your partner rate automatically.
5
Outreach
Optional co-branded materials for residence life, orientation and financial wellness.
6
Students enroll
With their school email, in about three minutes, with their own consent.
7
Verification and reporting
We confirm housing with your office, then report on-time payments monthly in the Metro 2 format.
8
Reporting back to you
Your institutional dashboard shows enrollment, reach and outcomes.
Every stage is handled by your dedicated partner manager.
Partner tools
Built so your team almost forgets it’s running.
Institutional dashboard
Enrollment, verification status and reporting activity for your students, in one view.
Performance and reporting
Monthly summaries you can forward to leadership without editing.
Analytics and KPI tracking
Monitor first-generation reach, Pell coverage, retention impact and benchmarks across your student community.
Co-branded outreach
Flyers, emails and orientation slides in your colors, approved by you.
Dedicated partner manager
One named person who knows your campus and answers the same day.
Compliance posture on request
Our verification, consent, dispute and data policies, in full, for your counsel.
Everything above is live today and can be shown on the call.
Compliance
Built to the standards your counsel will ask about.
FCRA furnisher standards
Rentaba furnishes rent data under the Fair Credit Reporting Act, in the Metro 2 format, with documented verification, dispute and consent-withdrawal procedures.
Student consent
Students enroll themselves, read and accept a data-sharing agreement, and can withdraw at any time. Nothing is reported for a student who hasn’t opted in.
FERPA-aware design
We ask the institution only to confirm housing records for students who have already enrolled and consented. We never ask for records on anyone else.
Security
Identity and bank verification through Plaid, read-only. Rentaba runs on SOC 2 Type II–audited infrastructure. Data encrypted in transit and at rest.
Questions administrators ask.
What does this cost the institution?
Nothing. The university program is free to institutions. Students pay for their own plan, and students at partner schools get your partner rate automatically.
What does my team actually have to do?
Name a point of contact, and give us a way to confirm housing records for students who enroll: an administrator who confirms enrollment and billing, or a data feed from your housing system. Co-branded outreach is optional. That’s the list.
How does this fit with FERPA?
We only ask you to confirm housing records for students who have already enrolled with us and given their consent, and we never ask for records on anyone else. Our full posture is available for your counsel on request.
What if a student misses a payment?
We report on-time payments only. A late or missed payment is never reported to the bureaus.
Which students can enroll?
Any enrolled student who pays for housing, on campus or off, and can verify their identity. International students can enroll without a Social Security Number.
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)
How long does it take to launch?
The pace is set by your counsel’s review of the partner agreement. Once that’s signed, housing-confirmation set-up and the partner rate are configured in days, and students can enroll as soon as outreach goes out.
What do we see once it’s running?
An institutional dashboard for tracking the program, which we set up with you around the metrics you track. It shows program activity, never a student’s bank or credit information.
One 30-minute call is all it takes to see what’s possible.
Book a 30-minute callZero cost · No software · Students opt in directly
Prefer email? university@rentaba.co