Give credit where it's rent’s due

We report your residents’ rent payments to all three credit bureaus. Now, you can help your residents build their credit and increase on-time payments for investors and your team. That’s what we call a triple-win.

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Credit building = financial benefits for everyone

Turn their biggest monthly payment into a win

How is it even possible that someone’s largest monthly expense – their rent – is typically the only thing not on their credit report?

We've figured out a way to do it. So now residents can make their rent payments count!
Help residents reach their financial goals

According to a study by the DC Housing Authority, residents with rent reporting saw an average 29% increase in their credit score.

With just a one-tier credit score increase, residents can save thousands of dollars per year in car payments, credit card payments, and future mortgage payments.
See rent payments come in on time

With such a strong incentive for on-time payments, you’ll see rent delinquency – and your teams’ follow-ups – decrease. The result is happier investors, happier teams, and happier residents.

What you and your residents get

Credit reporting to all three credit bureaus

Most rent reporting tools report to just one or two. We make sure your residents’ score improves everywhere by reporting to all three major credit reporting bureaus: Equifax, Experian, and TransUnion.

House with credit bureau logos overlayed on top

With 24 months back-reporting

Our credit reporting service back-reports all on-time payments from the past 24 months for the same address at no additional cost. When you implement our Resident Benefits Package, your renewing residents can get their last 12-24 months reported, so they aren’t starting from scratch.

Automatic and fully managed

Our credit-building feature is fully automated for you and your residents. Residents simply sign their lease and automatically get their on-time payments reported. We manage the initial setup, and then it runs itself. Your team keeps their valuable time. As a property manager, it’s another thing off your plate!

"What I like most about the credit building is that we are rewarding residents for paying their rent on time."

Angela Bailey
One Door Realty

FAQs for Credit Building Service

A credit building service is designed to help renters boost their credit scores by reporting on-time rent payments to the major credit bureaus. Our service automatically logs these payments, providing residents with an opportunity to build credit just by paying their rent, one of their largest monthly expenses.
Offering a landlord credit report service – or, as we call it, Resident Credit Building – can be a game-changer for property managers. Not only does it incentivize on-time rent payments, but it also adds value to your rental package. Residents appreciate the chance to build credit by paying rent, aligning their financial goals with timely payments, and making the entire rent collection process smoother.
Our credit building service covers everyone in the unit that’s listed on the lease and is at least 18 years of age. It doesn’t matter how you’re splitting up rent, or if you’ve got someone living with you who isn’t contributing to the rent at all. As long as the full rent amount is received on time, everyone in the unit will see their credit scores improve. It’s that simple!
Once rent payments are reported, they will appear as a new tradeline on a resident's credit report, typically within 90 days of their first rent payment through the RBP. This tradeline will reflect timely rent payments throughout their residency.

Please note: The credit building service reports under “tradeline 29” for rental payments, not as a loan like other credit entries. Be aware that other third-party credit report sites may display inaccurate information. We recommend that resident's review their credit report directly with the credit bureaus, Experian, Equifax, and TransUnion, for accuracy.

Ready to power up rent payments?

Get a demo

Give credit where it's rent’s due

Credit building = financial benefits for everyone

Turn their biggest monthly payment into a win

Help residents reach their financial goals

See rent payments come in on time

What you and your residents get

Credit reporting to all three credit bureaus

With 24 months back-reporting

Automatic and fully managed

FAQs for Credit Building Service

What exactly is a credit building service for renters?

How do rent reporting services differ from other credit solutions?

Why should landlords consider landlord credit report services?

If there are multiple people paying rent, who gets the credit score boost?

How long does it take for residents to see a change in their score?

Ready to power up rent payments?