Build credit
without debt
Use the rent you already pay to build credit — no new loans, no new cards. Just watch your score climb.
- No new loan or card
- On-time payments only
- +53 points on average
Are you a fit?
Three quick questions. No credit check, no commitment.
Years of rent.
Zero credit for it.
You pay on time every month. None of it shows up where it counts.
On-time rent rarely helps you get:
- Lower interest rates
- Credit cards & auto loans
- Apartment approvals
- Lower deposits
- A mortgage
Your rent proves you pay.
Make it count.
Your rent ledger
Months of proof the credit system hasn’t seen — until now.
On-time payments are the #1 driver of your score
They're 35% of it — the single biggest factor. And you're already making them every month. Reporting your rent just makes them count.
Automated and painless
Connect once. Every rent payment builds your credit — automatically.
Connect your account
Link the account you pay rent from. Takes a minute.
Share your rent doc
Upload your lease — that’s it. No landlord needed.
Watch it climb
Every on-time rent payment builds your credit, automatically.
Watch your score climb
A +53 point average lift — from rent you already pay.
The top 3 things hurting your score
No one explains this part. Here’s what quietly drags your score down — and a free way to tackle each one.
Missed & late payments
The #1 factor. One late payment can haunt you for years.
Autopay everything — then report the rent you already pay on time.
Maxed-out cards
Using too much of your limits says you’re stretched.
Get balances under 30%. Ask for a limit increase — often no hard pull.
A thin file
Too few accounts give the bureaus nothing to score.
Become an authorized user, keep old cards open, add rent — no new debt.
Bonus: check your reports free at AnnualCreditReport.com and dispute any errors.
Start with rent reporting. We help with the rest — we only win when you do.
Rent reporting… and so much more
Most services charge you to report rent. We pay for it as part of your membership — then go further, with a whole team working to put money back in your pocket.
- Rent reporting — included, we pay for it
- Fast loans when you need them
- Instant cash advances
- Subscription finder
- Identity protection
- Bill cutter to lower your bills
- Credit report analysis
- Always-on rate monitoring
What could better credit save you?
Better credit means lower rates. See what it’s worth.
Your situation
A rough picture — adjust to fit you.
Estimates only, for illustration. Auto loan over 60 months, card balance over 24 months; assumes a stronger profile moves you to a better rate tier. Actual rates and savings depend on the lender and your full credit profile.
Better credit, more doors open
A stronger score — from rent you already pay.
Better credit cards
Real limits, lower rates.
Lower loan rates
On auto & personal loans.
Apartment approvals
A documented on-time history.
Smaller deposits
Security & utility deposits.
Insurance savings
Credit can affect premiums.
A real backup plan
Options when you need them.
Not all rent reporting is equal
Many services hit just one or two bureaus, lean on your landlord, or sell your data. Here’s the difference.
Built for getting approved
“Reporting my rent made me scoreable. Months later: my first unsecured card.”
“Years of apartment rejections. With rent on my report, I got approved — no extra deposit.”
“When my transmission died, I finally had options. Rent built my backup.”
Nothing to lose, points to gain
No hard credit check
Signing up never triggers an inquiry.
On-time payments only
A missed month is skipped, never a negative mark.
Money-back guarantee
Rent doesn’t post? Full refund.
Safe, private, and on your side
We never earn from lenders
Membership fees only. We work for you, not them.
We never sell your data
Used to report rent — nothing else.
Bank-level encryption
AES-256, single-use keys.
Credentialed furnisher
Reported via our trusted partner, Esusu.
Your Questions Answered.
Get credit for rent
you already pay
Set it up once. Enrolled in under 5 minutes.
Get started for $1