Ellen Cibula
Written by Ellen Cibula Payments, Finance, and AI Expert: Learn More

Are you a renter looking to improve your credit score?

Then you’ve come to the right place!

In this blog post, I will share my expertise as a finance expert. I’ll guide you through the simple and cost-effective method to report rent payments to the major credit bureaus for free.

With my experience in the financial industry, I have witnessed firsthand the powerful impact that reporting rent payments can have on credit scores.

Don’t miss out on this opportunity to leverage my knowledge and expertise. Take control of your credit history and open doors to better financial opportunities.

So let’s get started.


Here’s how you can report rental payments to credit bureau for free:

  1. Get your landlord to do it.
  2. Use a third-party service to report rental history for you.
    • Use a free service
    • Use a paid service

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How to Report Rental Payments to Credit Bureau for Free

Here are some tips on how you can start reporting your rental payment history:

Acknowledge Your Landlord’s Role

Start with a chat with your landlord or property manager. Ask if they report rental data to major credit bureaus: Experian, Equifax, and TransUnion.

This is really the best way to get your rent reported to the bureaus for free. Talk with your landlord and get them to take care of this (without adding it to your rent, of course).

Leverage Third-Party Services

In case landlords aren’t willing or able to do this themselves, there are several services that renters can use. While these companies may charge fees, some offer options where tenants pay nothing.

Finding Free Platforms for Reporting Rental Payments

There’s no shortage of online platforms offering renters opportunities to have their timely monthly lease payments recognized by credit bureaus – all for free.

Here are some free services that allow tenants to directly report their own regular housing expenses.

  • Pinata is free for renters. You can use it to verify rent payments. Then, you can earn Pinata Cash. Pinata Cash can be used to save on everyday expenses, access exclusive deals, and earn rewards. It reports rent payments to TransUnion. 
  • MoCaFi allows you to use their website, app, or payment card to report rent payments. You can build credit at the same time. The app is free and reports to Equifax. The website costs $3 per report (the first report is free) and reports to Equifax. If you use the MoCaFi card, reporting is free, and they report it to Equifax and TransUnion.

When checking out different options, always check their trustworthiness before giving away any personal info. Before you sign up, carefully review the terms and conditions to ensure you understand all that is involved.

Which Services Will Report Your Rent Payments?

Just as you’ve been diligent about making your rental payments on time, it’s important to ensure that these efforts reflect positively on your credit score.

Besides the free options mentioned above, here are some services:

Services for tenants:

  • BoomPay: BoomPay reports to all 3 major credit bureaus. The service verifies monthly rent payments and adds the information to the customer’s credit report. There is a one-time enrollment fee of $10 to cover verification costs. Then, you can report up to 24 months of your past rent payment history. Ongoing monthly reporting is available for $2 per month. The service is simple and easy to use, with no landlord involvement required. 
  • Rent ReportersThe service verifies rental history and reports it to TransUnion and Equifax. Service costs $9.95 per month for customers with a one-time enrollment fee of $94.95.
  • Rental Kharma: The setup fee is $75, with a monthly fee of $8.95. Reports to TransUnion and Equifax.
  • PaymentReport: Offers 2 plans, one for landlords and one for renters. The landlord plan is free for renters. The other plan does not need landlord involvement. But, you must link your bank account to verify payments. It is $2.95 per month with no setup fee.
  • LevelCredit: You can use LevelCredit to report cell phone, rent, and utility payments to credit bureaus. Rent is to all 3 bureaus, while utility payments are to TransUnion. There is a $49.95 fee if you want to report your 24-month rental history and an ongoing fee of $6.95.

Here are some services for landlords:

  • Esusu: For property owners/managers, Esusu Rent provides rent reporting, rich analytics, and rent relief aid. These services aim to help residents, increase net operating income, and help achieve social impact goals.
  • For renters, Esusu Rent offers a credit-building solution. This service automates the reporting of monthly rent payments to all 3 credit bureaus. Esusu will not report late or missed payments.
  • Jetty: Jetty has partnered with Fannie Mae’s Positive Rent Payment Reporting program. It is free for tenants of certain properties.

How Do You Choose a Rent-Reporting Service?

You’ve been diligent with your rental payments. Now, it’s time to ensure they count towards improving your credit score. Selecting the right rent-reporting service is an essential step in this process.

Let’s break down what you need to consider.

Ease of Use and Customer Support

It starts with user-friendliness. The best services are those that don’t require a tech wizard for navigation or reporting rental payments. The best services offer outstanding customer service that is always available to provide assistance.


We all love freebies. While some services do charge fees for their offerings, others let you report rental payments for free. So, before settling on one provider, take some time to compare prices across different platforms.

Credit Bureau Reporting

The more ears hear about how great of a tenant you are — the better. Ensure that the service you pick sends reports to Experian, Equifax, and TransUnion.

Data Security Measures

Security matters because no one wants personal finance data floating around unprotected online. Make sure the platform you choose adheres to industry-standard encryption protocols. This will safeguard sensitive information and ensure it remains confidential always. 

How Do You Report Rent to All Three Credit Bureaus?

Infographic on how to report rental payments to credit bureau

You’ve been consistent with your rental payments, but are they impacting your credit score? You want your responsible financial behavior to show on your credit history.

Let’s talk about how you can ensure your rental payment history is reported to the 3 major credit bureaus.

Take Control of Your Financial Future

Every rent payment you make is a step towards building better credit. By consistently paying your rent on time, you may improve your credit score.

Here’s how you can ensure that each of your rental payments counts:

  1. Choose a Reliable Rent Reporting Service: There are several rent reporting services available that act as intermediaries between you and your landlord. These platforms ensure that every cent you pay in rent is reported to the major three credit bureaus. Search for a platform that provides an uncomplicated and straightforward way of reporting.
  2. Be Cautious with Free Options: While free options may seem enticing, it’s important to read the fine print. Some services may claim to be free upfront but later surprise you with hidden fees or conditions. Make sure to review the terms and conditions before signing up for any free rent reporting service. Remember, not everything advertised as “free” is costless in the end.
  3. Communicate Directly with Your Landlord: Consider having an open conversation with your landlord about reporting your rental payments directly. This personal approach can ensure that your payments are reflected in your credit history.

So, if you stick to these steps, boosting your credit score won’t seem so scary.


What Should You Do If Your Landlord Doesn’t Report Your Rent Payments?

You’ve been punctual with your rent payments. But what happens when the landlord fails to record these transactions? Time to address this problem directly.

  1. The first step: have a chat with your landlord. Plan out a conversation where you highlight the importance of having rent reported on credit history. Ask them politely but firmly to report these regular transactions.
  2. Use Third-Party Services: Sometimes, even the best-laid plans need backup strategies. If talking with your landlord doesn’t yield results – think of third-party services.

Do Rent Payments Affect Credit?

Yes, they do. Your rent payments can impact your credit. But, the extent of their influence depends on whether these transactions are reported to the credit bureaus and shown on your credit report. This data is shown as a rental tradeline.

The Impact of Rental Payments on Credit Scores

Rental payments play a dual role in determining your FICO Score. When you consistently pay your rent on time, it helps build a strong payment history. These payments can account for 35% of your credit score. On the other hand, late or missed rent payments can negatively affect your score.

FICO and VantageScore vary in how they manage rental history when calculating credit scores. Not all versions of the FICO score don’t consider rent payments (newer versions do). VantageScore does consider rent payments.

Although, as we discussed, some landlords may not report rental payments to the major credit bureaus. Without having explicit arrangements or third-party services, your timely rent payments won’t be reported. And these may not contribute to improving your payment history.

If you fail to pay your rent on time and your defaults are reported by your landlord, these late payments will appear on your credit report. This can lead to a decline in your credit score due to the presence of non-payment histories. You must be vigilant, as mistakes can result in more than just overdue rent payments.

So, to recap:

  • If reported and you pay on time, this will help your credit.
  • If reported and you don’t pay on time, this will hurt your credit.
  • If not reported, whether you pay on time, will not help or hurt your credit.


Reporting rental payments to credit bureaus for free isn’t as daunting as it seems. You have a selection of services available to you, ready to provide help. Picking the right one is all about knowing what suits your needs best.

The process might differ between bureaus, but now you know how to navigate each one. If your landlord isn’t on board, don’t fret. There are ways around that, too!

Rent payments can indeed impact your credit score – sometimes significantly so. It’s an avenue worth exploring if you’re looking to boost those numbers up!


Yes, reporting your timely rent payments can improve your credit score and help your financial profile.

Yes, paying rent can build credit if your rental payment history is reported to the major credit bureaus.

Yes, you can report rent payments to Experian by using a third-party service. BoomPay, LevelCredit, and Esusu all report to Experian (along with the other credit bureaus).

You cannot directly self-report your rent to the credit bureaus. But, a third-party service will report rent to the credit bureaus on your behalf.

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