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16 Best Rent Reporting Services To Increase Your Credit Score

Best Rent Reporting Services

What rent reporting services are the best to increase your credit score? How can rent reporting impact your credit score? These questions and more will be answered in this blog post. We’ll go over what rent reporting is, how it impacts your credit scores, and which rent reporting companies are the best for you. Get ready for a comprehensive guide on rent reporting!

How To Choose A Rent Reporting Service?

There are several categories you should look at before you choose a rent reporting company.


Each rent reporting company offers different pricing for the services they offer. Before you decide which company offers the price for you these are the things you should look for when considering the price:

  • Monthly Fee – The is the fee that the company will charge you on a monthly basis for the package you selected.
  • Signup Fee – Many services will have you pay a fee once you sign up for the service.
  • Historical Reporting Fee – This is the fee you pay to have your past rental payments added to your credit report. Most companies that offer this service will let you pick a 12 month or 24 month period.

Credit Bureaus They Report To

There are three main credit bureaus, Experian, Equifax and TransUnion. Most rent reporting services will report to one main credit bureau while others report to two or all three.

Related: The Top 3 Credit Bureaus

Rent Reporting History

Some rent reporting services will offer to report your past rent payments to the credit bureaus. This can help you increase your credit score through on-time payment history and and length of credit history.

The companies that offer this service might offer you 6 months of rent history while others use one to two years of rent payment history.

If you have been renting for years this would be a great option to add to your credit as long as you always paid your rent on-time.

Easy Signup

The best services to signup for tend to have the easiest signup options. The rent reporting services that offer simple and signup is the one you should pick. Some rent reporting services make the process more difficult by you having to call the company to signup instead of singing up on their website or having you contact your landlord or property manager before they can sign you up.

Extra Fees

Some rent reporting services will charge you extra fees for add on services that they offer. Some of these additional services could be utility payments, credit score monitoring and more. You don’t have to pay these extra fees if you don’t want to but they might help you increase your credit score even more.

Customer Reviews

One of the best ways to determine which rent reporting service is best for your needs is looking for customer reviews. Checking websites such as google, and the Better Business Bureau will let you see what customers thought about the company, if any issues occurred, how did the company respond to issues and if the service even works.

16 Best Rent Reporting Services

Best Rent Reporting Services

1.Rent Reporters

RentReporters Rent Reporting Service

RentReporters have helped over 40,000 renters report their on-time rental payments to the credit bureaus since they started in 2012. They state that the average credit score increase with their service is 40 points. You should see a change in your credit score within 3-5 days after you verify your information.

RentReporters does offer a refund policy if you are not happy with the results after they report your initial rent history, you can contact them within 48 hours to receive a full refund. However, if you do get a refund the payment history will also be removed from your credit report.

In order to use RentReporters they will need to contact your landlord in order to verify your payment history but not to worry as most landlords are happy to offer this information on your behalf.

RentReporters Pricing

RentReporters Pricing

The pricing for RentReporters is very affordable with offers two plan options at $9.95 per month for the monthly plan or $7.95 per month for the Annual Plan. There is a signup fee of $94.95. With both plans you get access to your free credit score, monitor your credit score, a credit specialist to talk to, 24 months of rent history added to your credit report, on-time payments updated monthly, financial tips, expedited reporting with RentCheck which automatically allows them to verify your rent payments without contacting your landlord, and spouses and roommates can get a $50 discount.

RentReporters Reviews

RentReporters Reviews

This rent reporting company has great reviews online with having a 4.8 star rating on google with over 700 reviews.

RentReporters also have a 4.7 star rating on Facebook with over 270 reviews. Customers state how simple and fast the service works, and how exceptional their customer service was.

Who Does Rent Reporters Report To?

RentReporters reports to Equifax and TransUnion credit bureaus.

Credit Bureaus They Report To: Equifax, TransUnion
Signup Fee: $94.95
Monthly Fee: $9.95 per month or $7.95 for Annual Plan
Rent Payment History: 24 months included in monthly price
Spouse & Roommate Discount: Yes $50 discount
Refund: Full refund if not satisfied after 48 hours of initial reporting


RentTrack Best Rental Reporting Service

With RentTrack you are able to get the credit that you deserve by paying your rent on-time each month. RentTrack reports to all three credit bureaus Experian, Equifax, and TransUnion.

In order to use RentTrack your landlord or property manager will need to sign up and create an account. This could benefit them as RentTrack makes it simple for them as it collects rent payments for them and tracks it.

RentTrack will report rental history up to 24 months for a one-time fee of $50. However, they can only report past rent from your current landlord that uses RentTrack as they can use your lease and your landlords accounting to to track your past rental payments. If you just moved and your landlord just started using RentTrack they won’t be able to track any past rental history to report to the credit bureaus.

You will also be able to monitor your credit with instant alerts as well as $1M Identity Theft Insurance.

Credit Bureaus They Report To: Equifax, Experian, TransUnion
Monthly Fee:NA
Rent Payment History: 24 months for $50
Refund:Full Refund


ClearNow Rent Reporting

ClearNow was founded in 2000 making it one of the best rent reporting services for tenants and landlords to pay rent on-time.

How ClearNow works is that your rent is automatically debited from your bank account and sent directly to the landlord. Your landlord does need to signup for an account before you are able to use this program. Your first rent reporting submission will be after you have four months of data then you it will report monthly.

ClearNow Pricing

For tenants ClearNow is free.

ClearNow for landlords has no setup fees and their fees are based on your debit days.

For monthly debits on the 1st, 5th, 15th or 25th is $14.95 per month for one debit.

Each additional debit is just $2 per month.

For semimonthly debits, which is twice a month, on the 3rd & 17th is $4 a debit.

Biweekly debits on every other Tuesday is $4 a debit.

Who Does ClearNow Report To?

ClearNow reports to Experian credit bureau.

4.Rental Kharma

Rental Kharma Rent Reporting

Rental Kharma is one of the biggest rent reporting services in the industry with over 72,000 members. They have a simple process for the both the renter and landlord. There is no credit check, you do not need to do anything different or setup your bank account to use it.

If you are a victim of domestic violence you can call and schedule a consultation to speak with a specialist about rent reporting and building good credit.

Rental Kharma Pricing

Rental Kharma Pricing

There is a $50 setup fee with Rental Kharma that includes 6 months past rental history plus $8.95 per month. If you want to add a spouse or a roommate it is $25. To report your past history it is $60 for your current rental.

Who Does Rental Kharma Report To?

Rental Kharma reports to Equifax and TransUnion.

Credit Bureaus They Report To:Equifax, TransUnion
Setup Fee:$50
Monthly Fee:$8.95
Spouse and Roommate Fee:$25 onetime fee plus $5 a month
Past Rent History:6 months $60


PayYourRent Rent Reporting

Founded in 2007, PayYourRent has become one of the leaders in the mobile rent payment processing software. With this technology you can pay fast and easy with their mobile app or online through their website. They have over 500,000 resident accounts.

Rent payments are processed immediately and can help tenants build credit history through on-time payments. As a tenant you can also submit a rental application online, connect your utilities, and send maintenance requests.

Landlords can use PayYourRent with online applications, tenants can fill out maintenance requests online, screen residents and have renters setup renters insurance.

PayYourRent Login

You can login to your PayYourRent account online through their website or use the mobile app.

In order to signup with PayYourRent your landlord or property management company must have an account that they can give you access to.

PayYourRent Pricing

PayYourRent Pricing, Credit Repair Blueprint

There are three packages you can choose from to signup with PayYourRent as a landlord or property management company.

No setup fee is required for any plan.

1-5 units is $9.95 per month.

6-50 units is $19.95 per month.

50 units or more is $0 per month.

Who Does PayYourRent Report To?

PayYourRent reports to Experian, Equifax and TransUnion free for residents and landlords. You can opt out of rent reporting whenever you want.

PayYourRent Reviews

On the Google Play Store PayYourRent has a 3.5 star rating with residents saying this is a great option to pay their rent. However, landlords have stated that the credit card fees are high, and that the app was glitchy.

6.Credit Rent Boost

Credit Rent Boost Rent Reporting Service

Credit Rent Boost is a rent reporting service that works with tenants and landlords. They report your monthly rent payments to two of the three credit bureaus to help you increase your credit score.

To enroll with Credit Rent Boost you will need to add whoever is on your lease that would like to build credit then choose which option you would for you, they offer up to 24 months past rental history. Lastly you will upload your ID and lease agreement and they will contact your landlord to verify the information.

Once everything has been verified they will start reporting your rent payments to the credit bureaus.

Credit Rent Boost Login

Credit Rent Boost Login

To login with Credit Rent Boost you will need to go online to their website and in the footer of the website you will see the option “Tenant Login” where you will enter your email and password to access your account.

Credit Rent Boost Pricing

Credit Rent Boost Pricing

There are three pricing options you can choose from Credit Rent Boost:

Ongoing Rent Reporting

  • For 1 renter you get 12 months of reporting for $45 (that’s just $3.75 per month) or $5.95 per month for a subscription with a $25 enrollment fee
  • It will start reporting your rent payments from that day forward
  • Your score will increase over time
  • It will show on your account within 2 weeks (your can pay $100 to expedite this so it only takes 3 business days to report to the credit bureaus)

Past Rent Reporting

  • $45 for 12 months of reporting (that’s $3.75 per month) or for $60 get the past 24 months of payments (that’s $2.50 per month)
  • Scores might increase on average of 20-60 points
  • Results take up to two weeks. For $100 you can expedite and take only 3 business days to report to the credit bureaus

Past & Ongoing Reporting

  • $90 for past 12 months and ongoing reporting (that’s $3.75 per month) or $105 for the past 24 months and ongoing reporting (that’s $2.92 per month)
  • You can also subscribe for $5.95 per month plus a $45 or $60 fee
  • Can increase your score 30-100 points
  • Results in less than 2 weeks or pay $100 to expedite reporting to 3 business days

There are also options to pay up to 3 renters which will be more money.

Who Does Credit Rent Boost Report To?

The credit bureaus that Credit Rent Boost reports to Equifax and TransUnion.

Credit Rent Boost Reviews

Credit Rent Boost has excellent reviews from across the board. Their Better Business Bureaus rating is 4.66 stars from 96 customers and some members stating their score increased 60 points in 2 weeks. Almost all reviews mentioned how amazing the customer service is.

Credit Bureaus They Report To:Equifax, TransUnion
Price For Past & Ongoing Reporting:$90 ($3.75 per month) for 12 months or $105 ($2.92 per month) for 24 months
Past Rental History:Yes up to 24 months
Refund:Only offered if your landlord doesn’t verify
Discount:Yes, discounts are offered for 2 or 3 people

7.Level Credit

Level Credit Rent Reporting

Level Credit is a rent reporting service that also reports your cell phone and utility payments to the credit bureaus to increase your credit score. RentTrack, that we listed above, is a product of Level Credit. While RentTrack is a product for landlords and property managers to offer to their tenants, Level Credit is for tenants to signup on their own.

Once you signup for Level Credit you will need to connect your Level Credit account to your bank account. Once everything is verified they will automatically send your payments to the credit bureaus within 24 hours. You should start seeing results in 2-3 weeks.

Level Credit Pricing

Level Credit Pricing

Level Credit has an affordable monthly subscription of $6.95. With this subscription you will get rent, cell phone and utility payments to report to the credit bureaus, credit score monitoring, and $1M Identity Theft Insurance.

For a one-time payment of $49.95 you can add up to 2 years of past payments.

Who Does Level Credit Report To?

Level Credit reports to Equifax and TransUnion.

Level Credit Reviews

The reviews for Level Credit and great. On TrustPilot they have 4.6 stars with customers stating how much they like their customer service and it’s a good service for credit repair.

Credit Bureaus They Report To: Equifax, TransUnion
Signup Fee:$0
Monthly Fee:$6.95
Past Rent History:$49.95 for up to 2 years

8.Rent Report Team

Rent Report Team Rent Reporting

Rent Report Team is an easy and simple rent reporting company that reports your positive on-time monthly rent payments to credit bureaus.

In order to signup with Rent Report Team you will need to provide some information regarding the property you are renting and they will verify this information with your property manager or landlord.

Most customers that use Rent Report Team state that their credit score increased 15-25 points on average.

Rent Report Team allows you report multiple leases as separate tradelines such as a commercial lease.

Rent Report Team Pricing

Rent Report Team Pricing

When you signup with Rent Report Team there is a one-time registration fee of $49.99 than the monthly fee for reporting is $9.99. You can pay annually so you don’t to have worry about. To do this there is an enrollment fee of $39.99 and a one-time fee of $99.99 for the annual subscription.

They also have options if you have more than one person you want to report for. There will be a one-time enrollment fee of $69.99 and $14.99 per month.

You can also report up to 12 months past rent payments to your credit profile for an additional $7 a month fee.

Who Does Rent Report Team Report To?

Rent Report Team reports all three major credit bureaus Equifax, Experian and TransUnion.

Credit Bureaus They Report To:Equifax, Experian, TransUnion
Signup Fee:$49.99 ($69.99 for 2 people)
Monthly Fee:$9.99 per month ($14.99 per month for 2)
Past Rent History:12 months for $7 a month
Refund:Yes, within 30 days

9.Rock The Score

Rock The Score Rent Reporting

Rock The Score was founded in 2018 and provides a low costs with excellent customer service.

The average customer states that their credit score increased 30 points. Any increase in your credit score can give you a better chance of getting approved for loans.

Your landlord or property manager does not need to be enrolled with Rock The Score in order for you to use their rent reporting service. However, they do need to information from your landlord in order to verify your lease. If they can’t get your landlord to verify your information they offer a money-back guarantee.

Rock The Score Pricing

Rock The Score Pricing

The pricing for Rock The Score is simple and budget-friendly. To signup with Rock The Score it’s a one-time fee of $48. For monthly reporting it’s $6.95 per month. If you want to report your past rental history it’s a one-time fee of $65 and it will report the past 2 years of rent and make a seasoned tradeline which will increase your credit score.

Who Does Rock The Score Report To?

The credit bureaus Rock The Score reports to is Equifax and TransUnion.

Rock The Score Reviews

Credit Bureaus They Report To:Equifax, TransUnion
Signup Fee:$48
Monthly Fee:$6.95 per month
Past Rent History:Yes, 2 years for $65

10.Esusu Rent

Esusu Rent Rent Reporting

Founded in 2018, Esusu Rent was created to help people build credit, and help people reach their financial goals. They help renters build their credit through reporting their rent payments while also helping property managers maximize returns.

You can sign up with Esusu Rent on your own or have your landlord or property manager to register on your behalf.

Esusu Rent uses bank-grade security to confirm your identity when you signup. They will then customize your rent reporting services based on your current rental situation.

The average credit score increase with Esusu Rent is 51 points.

They also have a rent relief program for anyone who is experiencing financial hardship. The application only takes 2-minutes.

Esusu Rent Pricing

You can enroll in Esusu Rent annual plan for $50 per year. You can report up to 24 months past rent payments for an additional $50 flat fee.

Who Does Esusu Rent Report To?

The credit bureaus Esusu Rent reports to is Equifax, Experian and TransUnion.

Esusu Rent Reviews

Esusu Rent has good reviews from customers but has average ratings on both the app stores due to app issues and not letting customers know if their landlord verified their information or not.

If you do have any issues with the app you can email them at

Credit Bureaus They Report To:Equifax, Experian, TransUnion
Signup Fee:$0
Subscription Fee:$50 a year
Past Rent History:Yes, 24 months for $50


BoomReport Rent Reporting

BoomReport rent reporting service is one of the most affordable rent reporting companies that reports to all three credit bureaus.

Your landlord does not need to be involved with the process. In order to signup with BoomReport you only need a valid rental agreement within the last 24 months, a social security number and the bank account you use to pay your rent.

It takes 10 days from the time you signup to the time it is submitted to the credit bureaus.

BoomReport Pricing

It costs $10 to sign up and $2 a month to report your ongoing rental payments when you subscribe or choose a month to month basis for $3 a month.

If you want to report up to 24 months of past rental payments it is $25 making BoomReport one of the cheapest rent reporting services.

You can cancel at any time.

Who Does BoomReport Report To?

The credit bureaus boom reports to is Experian, Equifax and TransUnion.

Credit Bureaus: Experian, Equifax, TransUnion
Signup Fee:$10
Monthly Fee:$2 for subscription or $3 a month for month to month
Past Rental History:Yes, 24 months for $25


CreditMyRent Rent Reporting

CreditMyRent is a rent reporting service that reports your positive rental history to the credit bureaus. It only takes 5 minutes to signup and once your information is received they report your payments within 72 hours making them one of the quickest rent reporting services.

They use a 3 phase system of security and encryption that is used by the largest financial institutions.

CreditMyRent Login

To login to your CreditMyRent account click the link here to go to their website.

CreditMyRent Pricing

CreditMyRent Pricing

There are three plans you can choose from when signing up for CreditMyRent.

Monthly Plan – $14.95 per month

With this plan there is no setup fee to get started and it includes 1 verified rent payment that is reported instantly and 1 rent payment that is reported every month.

Monthly Plus 1 Year Payment History – $14.95 per month+ $99

With this plan there is a $99 setup fee which includes 12 months of pay rent payment history and 1 rent payment reported every month.

Monthly Plus 2 Year Payment History – $14.95 per month + $149

With this plan there is a $149 setup fee and this includes 24 months of past rental history and 1 rent reported every month.

Who Does CreditMyRent Report To?

The credit bureaus CreditMyRent report to is Equifax and TransUnion.

CreditMyRent Reviews

On Facebook, CreditMyRent has 5 stars with 89 reviews. Customers state that CreditMyRent helped them increase their credit score immediately with some saying their scores increased by 30 points.


eRentPayment Rent Reporting

Founded in 2004, eRentPayment offers landlords and property managers online property management tools as well as online options for tenants.

eRentPayment allows renters to pay their rent online and are deposited right into the landlords account. Tenants can also report their rent payments to credit bureaus to help improve their credit score.

Landlords can also use this service to refund security deposits as well as track other fees such as late fees, send email reminders and export transactions.

This is a landlord-enrolled rent reporting service meaning your landlord must be the one to signup in order for the tenant to use this service.

eRentPayment Login

eRentPayment Login

To login to eRentPayment you will need to go to the eRentPayment website and at the top of the page find the orange button that says Login. From there you will enter your email and password in order to access your account.

eRentPayment Pricing

eRentPayment Pricing

Landlords or property managers will pick the plan that works best for their needs. The 2 plan options are:

Standard Plan – $3 per transaction

  • No monthly set-up or activation fees
  • $2 for weekly recurring payments
  • This is the best option for property managers that are processing 1-3 payments per month
  • The landlord can pay the $3 fee, split the fee with the tenant at $1.50 or have the tenant cover the full $3 fee

Plus Plan – $10 per month

  • Up to 5 transaction
  • Additional transaction are $1 per transaction
  • Monthly minimum is $10
  • Good for landlords who are processing more than 2-3 payments per month
  • The landlord cannot pass the transaction fee to the tenant or split the cost with this plan

eRentPayment also offers a platform called RentSpree that does tenant background screening for $30.

Who Does eRentPayment Report To?

The credit bureaus eRentPayment reports to is Experian and Equifax.

eRentPayment Reviews

On the Better Business Bureau website, eRentPayment has a B- rating with 2 complaints which are a few years old. The complaints have stated that the website had some errors when processing payments but these issued were resolved.


Rentler Rent Reporting

Founded in 2012, Rentler is an app for landlords and tenants to use to help make renting a simple and easy process. With the app you can securely apply for places, pay rent online and search up to listings for free.

Since Rentler was founded in Utah it has reached over 1.3 million users and over 3,000 cities.

Rentler Login

To login to Rentler you will go to there website and click the Sign In button at the top of the page. From there you will enter your email and password.

To sign up for Rentler you will click the Sign Up button at the top of the screen. You will then need to enter in your information and select I’m a tenant if you are a tenant or I’m a landlord if you are a landlord. Follow all the instructions to finish your sign up.

Rentler Pricing

Rentler is free for landlords and tenants to use. Additional service however are an extra fee.

Tenants can search for places to rent and submit applications for fee. However when you make rent payments there is a 2.9% fee for debit and credit cards. There is also a $39 fee for 30 days of unlimited use to send applications.

Landlords can manage properties for free. The extra fees for landlords are:

  • Rentability report $19.95 per report
  • Forms $25
  • Listings features $15 a day, ribbons $25

Who Does Rentler Report To?

The credit bureau that Rentler reports to is Experian. It doesn’t cost anything to opt in and they only report payments that have been made.


RentRedi Rent Reporting

RentRedi is an all-inclusive mobile app for landlords and tenants so the rental process is seamless on both ends. This app was created to make the lives of collecting rent and paying rent as easy as possible.

While this app was created by landlords for landlords so they can collect rent online, manage leases online, market their rentals and have contactless maintenance requests, it is also for tenants.

Tenants can apply for a rental, pay rent, sign a lease, request maintenance requests, boost your credit score, and purchases renters insurance all from the app.

RentRedi Login

To login to RentRedi you will need to download the app on your smartphone

RentRedi Pricing

The app is free download for tenants however these are the following costs associated with using the RentRedi tenant account:

  • ACH/cash (via Chime deposit) payments are $1 per payment
  • Card payments are 2.9% of the payment plus $.30
  • $30 if a landlord requests a TransUnion tenant screening

If you want to use RentRedi to report your rent payments through Credit Boost they have the following plans to choose from:

  • Monthly plan $5.99 a month
  • 3 Month plan $4.99 per month
  • Entire lease $3.99 per month (this includes all future and past rent payments made through RentRedi)

The cost for landlords is as follows:

  • $19.95 a month for the monthly plan
  • $15 a month for 6-month plan
  • $9 a month for annual subscription

Who Does RentRedi Report To?

The credit bureau that RentRedi reports to is TransUnion. Most renters who reported their rent through RentRedi saw improvements within 30 days.

RentRedi Reviews

The reviews for RentRedi are excellent across the board. Customer have said that the customer service is very responsive, the cost is affordable for what you get with the app, and the app is easy to use.

There were only a few negative aspects to RentRedi with one being that tenants were downloading the landlord app instead of the tenant app, and that you have to go to each units page to see if the tenant paid.

16.Rent Plus

Rent Plus Rent Reporting

RentPlus is a rent reporting service that reports your on-time monthly rent payments to credit bureaus. Reporting on-time monthly payments through RentPlus can increase your credit score 20-40 points on average for a 12 month lease.

Not only does RentPlus report your rent payment to the credit bureaus but they also offer RentPlus Money which is a tool used to help you budget your money, RentPlus Spending to track all your spending and $1M Identity Theft Insurance.

In order to signup with RentPlus your landlord or property manager must enroll first.

RentPlus Pricing

There is a monthly fee that will be added to your rent charges as a lease or amenity charge. The price varies depending on your property management company. Past customers stated that their monthly fees are around $6 a month.

RentPlus will report your past rent payments up to 24 months that is with your current lease. In order for them to report your past rent payments you need to be in the same unit you currently hold your lease and use the same property management company.

Who Does RentPlus Report To?

RentPlus reports rent payments to Equifax or TransUnion or both depending on the contract they have setup with the property management company.

Credit Bureaus The Rent Reporting Companies Report To

Rent Reporting Companies Report To

What Rent Reporting Company Reports To All 3 Credit Bureaus?

These are the following rent reporting services that report to all three major credit bureaus:

  • RentTrack
  • PayYourRent
  • Rent Report Team
  • Esusu Rent
  • BoomReport

What Company Reports Rental History?

The following rent reporting companies report your past rental payments to the credit bureaus which can help increase your credit score.

Company Reports Rental History, Credit Repair Blueprint

The way past rental history can help improve your credit score is through on-time payment history, which makes up 35% of your credit score.

How To Report Your Rent To Increase Your Credit Score?

To report your rent to the credit bureaus , you can do it in several ways.

The rent reporting companies listed above provide the simplest way to report rent payments, but not all rent payment services will be able to help consumers navigate how they need their rent reported or what is needed for each credit bureau. The following are some steps that tenants can take in order to ensure proper rent reporting:

  • Visit the rent reporting companies website to see if they offer a detailed guide on rent reporting.
  • Make sure to connect with the credit bureau you are trying to improve your credit score with, as each bureau may have different instructions for rent payments.
  • Always keep a paper trail of rent payments, including receipts and cancelled checks/money orders, in case there is ever any question about rent payment history.

It’s important that you make sure you fill out all the information that is required from the rent reporting company. If anything is missing they may not be able to report your on-time rent payments to the credit bureaus.

Related: How Can I Report My Rent To Credit Bureaus

Does Reporting Rent Increase Credit Score?

Yes reporting your rent to the credit bureaus can improve your credit score. This is because rent payments are considered a form of credit. When you make your rent payment on time each month, it shows that you are responsible with your credit and can handle debt obligations. If you have a history of on-time rent payments, then reporting this information to the credit bureaus will actually help your credit score.

On-time payments is the biggest factor that impacts your credit score so the more on-time payments you have on your credit report the higher your score. However, if you any late rent payments it could negatively impact your credit score.

Related: The Easiest Ways To Increase Your Credit Score

Does Reporting Rent Hurt Credit Score?

Reporting your rent payments will only hurt your credit score if you haven’t been making your rent on-time. If you do have any recent late rent payments or missed payments it’s probably a good idea not to use the past rent history service that some rent reporting companies offer. Instead just start in the current timeframe that you are in.

Make sure you can pay your rent on-time and in full before you sign up with a rent reporting service so you can get a positive credit score instead of a negative one. Late payments can lower your score up to 100 points so this should be your main priority.

Related: Can Creditors Remove Late Payments From Credit Report

What Is The Cheapest Rent Reporting Service?

Most rent reporting services are under $10 a month making most services affordable and an easy way to increase your credit score and credit history. One of the cheapest rent reporting service is Esusu Rent which is only $50 per year to report to the credit bureaus. For an extra $50 they will report your past rental payments up to 24 months.

Another one of the cheapest rent reporting services is Credit Rent Boost at $2.92 per month for the past 24 months of reporting and ongoing reporting. Most rent reporting services are under $10 a month making most services affordable and an easy way to increase your credit score and credit history.

Is There A Free Rent Reporting Service?

While most rent reporting companies charge a low monthly fee there is a few that are free for tenants to use.

ClearNow is free for tenants to signup instead they charge your landlord. Your landlord must sign up for this service for you to be able to use it. The landlord will only be charged a small fee.

Rentler is a free app that allows you to search for rentals. You can opt-in to report your rent payments to Experian for free. If you pay with ACH it is also free. The only fees you would pay for is if you want to apply for multiple rental listings which is $39 for 30 days.

What Rent Reporting Services Does My Landlord Need To Signup With?

Some rent reporting companies don’t charge tenants any fees and very little fees to report your rental payments. However, these companies can only be used if your landlord signs up for these companies.

Your landlord must be enrolled in these programs in order for you to be eligible to have your rental payments reported to the credit bureaus. Here are the following companies that require your landlord to enroll:

  • Pay Your Rent
  • eRentPayments
  • Rent Track
  • Rent Payment
  • Clear Now
  • Zego
  • Rent Plus

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How Can I Ask My Landlord To Signup With A Rent Reporting Service?

If your landlord is not currently enrolled in a rent reporting service but you wish to utilize this service you can simple ask them.

There are a couple of ways you can ask your landlord to signup for a rent reporting service:

  1. You sign up for a service that doesn’t need a landlord to enroll or pay anything and all they do is verify your lease information.
  2. Learn if they are using any rent software and if they are struggling with collecting payments and suggest one of the landlord-enrolled rent reporting companies that can help manage rent payments.

Chances are your landlord will be happy to sign up for any of these rent reporting services to help them manage rent payments and help you improve your credit.

What Credit Score Do Landlords Use?

Most landlords look at the FICO score to screen tenants and they are looking for a score over 600. The higher your FICO score the greater the chance you have to get the rental. If you have a good FICO score you don’t need to worry too much but if you have a bad credit score, you should work on repairing your credit before you apply for a rental.

If you don’t have the time to wait to improve your credit score before you apply for a new rental you can always send a letter to the landlord stating why you have a low credit score and what you are doing about it. You can find a letter template here.

Related: Learn Everything About Rental Credit Checks For Tenants & Landlords


If you have bad credit and are looking for a simple and easy way that might improve your credit score you can report your rent payments to the credit bureaus. Every time you pay your monthly rent on-time rent reporting companies will report those payments to the credit bureaus which can increase your score on average 20-60 points.

Do you have bad credit, no credit, or want to learn how to become a credit expert?

Signup for the #1 DIY Credit Repair Course

The Credit Repair Course includes:

  • How to find your credit report and your ACTUAL Credit Score
  • A breakdown of how your credit score is calculated
  • How to increase your credit score in each category
  • The best tools to increase your credit score fast
  • How to dispute negative items from your credit report
  • Credit dispute letter templates and when to send them
  • The best credit cards for your credit score
  • How to use credit cards to leverage your money and business
  • How to use credit cards to get free travel, bonuses and rewards

Learn how to fix your credit for life by enrolling in The Credit Repair Blueprint today!

Credit Repair Course - The Credit Repair Blueprint
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