9 Best Rent Reporting Services to Help You Improve Your Credit Score

By: ROS Team

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If you’re like most people, you probably don’t think about your credit score all that often. But did you know that your rent payments can actually help improve your credit score? Believe it or not, landlords and property management companies are reporting your rent payments to the three major credit bureaus.

This is why it’s important to choose a good rent reporting service to help you keep track of your payments. In this blog post, we will discuss 9 of the best rent reporting services available today.

Best Rent Reporting Services

With so many rent reporting services to choose from, it can be difficult to select the best one. To make things easier for you, we’ve compiled a list of the nine best rent reporting services.

1) Rent Reporters

Website: RentReporters.com

Rent Reporters is a rent payment reporting service that has been in business since 2012. They have a positive reputation and are well-established, and also offer solid customer service. Rent Reporters is a good option for anyone looking for a reliable rent payment reporting service.

2) RentTrack

Website: RentTrack.com

RentTrack is another useful rent reporting tool for landlords and tenants that collects rental payments from residents and reports them to Experian, Equifax, and TransUnion. If your property manager uses RentTrack, you will be invited to join. RentTrack will begin reporting your rent payments to the three major credit bureaus after you sign up.

3) Rental Kharma

Website: RentalKharma.com

Rental Kharma is a rent reporting service that helps tenants build their credit scores by tracking their rental payment history. They only charge $50/month, and tenants can earn points for each on-time rental payment that can be redeemed for rewards like gift cards and travel discounts. Rental Kharma also offers a rent insurance plan that covers up to six months of missed rent payments in the event of an unexpected life event.

4) Boom Pay

Website: BoomPay.app

If you’re looking for an affordable rent reporting service that will help you build your credit, Boom Pay is a great option. They report to all three major bureaus and can also report your past payments from your previous lease. This can be a huge help when trying to boost your credit score.

Boom Pay is easy to use – just enroll, and they’ll take care of the rest. So if you’re looking for a way to build your credit, Boom Pay is a great choice.

5) LevelCredit

Website: LevelCredit.com

LevelCredit is a reliable rent reporting service that can help you build your credit, not only by reporting your rent but also by including cell phone and utility payments. It can add up to two years’ worth of payments to your credit score for a flat fee. The service offers superb customer support, and it also includes $1M identity theft insurance.

6) Credit Rent Boost

Website: CreditRentBoost.com

If you’re looking for a way to give your credit score a boost, Credit Rent Boost could be the solution for you. The service reports your past and ongoing rent payments to Equifax and TransUnion, which can help to improve your credit history and increase your credit score.

Credit Rent Boost is one of the best free rent reporting services having a free annual subscription for a limited time. So if you’re ready to take your credit score to the next level, check out Credit Rent Boost today!

7) Rock The Score

Website: RockTheScore.com

If you’re looking to build up your credit history, the rent reporting service Rock The Score is a great option. They offer affordable services to TransUnion and Equifax and can add up to 24 months of credit history in just 30 days. All you need to do is register with them, and they will handle the rest.

8) Esusu Rent

Website: EsusuRent.com

Esusu Rent is a rent reporting company that works to make building credit and renting affordable for everyone. In addition to rent reporting services, they also provide rent relief for customers experiencing financial difficulties. Esusu Rent reports up to 24 months of your past rental payments for $50. They’ll also share your ongoing rental payments for another $50 per year.

9) Payment Report

Website: PaymentReport.com

If you’re looking for a rent reporting service that has low prices and a past payment reporting option, PaymentReport is a great choice. You can also verify payments through either property management or your bank account, which is a great feature if you’re not sure who to trust. Additionally, additional roommates or spouses are free to include, making it an affordable option for larger households.

What Are Rent Reporting Services, And What Do They Do?

Rental reporting services offer tenants the ability to improve their credit scores by voluntarily reporting their rental payments to one or more of the three major credit bureaus. This positive activity can offset any negative marks on a credit report and help build a strong credit history.

For landlords, these services provide an additional layer of protection by verifying that rent is being paid on time and in full each month. By using a rent reporting service, both tenants and landlords can benefit from a stronger credit profile.

Photo Credit: Elements Envato

How Can You Benefit From Using A Rent Reporting Service?

When it comes to your credit score, rent is often an afterthought. However, paying your rent on time can actually have a positive impact on your credit score. Unfortunately, most landlords do not report rent payments to the credit bureaus. As a result, tenants who consistently pay their rent on time are not rewarded for their good behavior.

Fortunately, there are now rent reporting services that can help you build credit by reporting your rental payments to the credit bureaus.

By using a rent reporting service, you can improve your credit score and make it easier to qualify for loans and other forms of credit in the future.

In addition, a higher credit score can help you save money by qualifying you for lower interest rates. As you can see, using a rent reporting service can have a number of benefits.

Things To Consider While Choosing Rent Reporting Service

There are a few things to consider when choosing a rent reporting service. First, make sure that the service reports to all three major credit bureaus (Experian, Equifax, and TransUnion).

Second, check to see if there are any fees associated with the service. Some rent reporting services charge a monthly fee, while others may charge a one-time setup fee.

Finally, take a look at the features each service offers. Some rent reporting services allow you to set up automatic payments, while others provide tools to help you track your rental history.

By taking all of these factors into consideration, you can be sure to choose the rent reporting service that best meets your needs.

How Much Does It Cost To Use A Rent Reporting Service, And Is It Worth The Price Tag?

For many people, the biggest obstacle to building credit is a lack of credit history. Rent reporting services aim to help these individuals by sharing rental information with the credit bureaus. As a result, paying rent on time can help to improve your credit score. But how much does it cost to use a rent reporting service, and is it worth the price tag?

There are a few different options available, but the average cost is around $9 per month. In some cases, you may be able to find a service that charges a lower monthly fee or offers discounts for signing up for a longer term.

When considering whether or not to sign up for a rent reporting service, it’s important to weigh the cost against the potential benefits.

For example, if you’re hoping to qualify for a mortgage in the near future, a small monthly fee could potentially save you thousands of dollars in interest over the life of your loan.

Ultimately, whether or not a rent reporting service is worth the cost will depend on your individual circumstances.

Drawbacks Of Using A Rent Reporting Service, And How Can You Overcome Them?

Rent reporting services can help you boost your credit score by adding rental payments to your credit report. However, there are some potential drawbacks to using these services.

First, not all landlords or property management companies report rent payments to the credit bureaus. As a result, you may not see a difference in your credit score even if you use a rent reporting service.

Second, there is usually a fee associated with these services. Third, rent reporting services only report positive rental activity to the credit bureaus. If you have any late payments or other negative rental activity, it will not be reported and could still damage your credit score.

Fortunately, there are some ways to overcome these potential drawbacks. First, you can ask your landlord or property management company if they report rent payments to the credit bureaus. Second, you can compare different rent reporting services to find one with a reasonable fee.

And finally, you can make sure to always make your rental payments on time to avoid negative activity on your rental history. By taking these steps, you can maximize the benefits of using a rent reporting service.


How Can I Access My Credit Report When Using A Rent Reporting Service?

You may view your credit reports in two ways. First, you will receive an annual free copy of your credit report as part of your membership. Second, you can log into your online account and view up-to-date credit information provided by your selected service.

What Should I Do If There Is An Error On My Credit Report?

Errors happen, and it’s important to review your credit reports regularly to ensure accuracy. If you identify something that looks wrong, you can file a dispute with the reporting agency. You can also contact the rent reporting services provider if you believe there is an error in the data they are sending to credit bureaus.

How Long Does A Rent Payment Remain On My Credit Report?

Your rental payments may show on your credit report as long as the rent reporting services provider is providing Experian with updated information.

Generally, it takes up to sixty days for a payment to be added to your credit report after it has been reported by the rent reporting service. If you have chosen a premium membership, payments may stay on your credit report for up to four years.

What Other Benefits Do I Get From A Rent Reporting Service?

In addition to helping you establish a positive credit history, rent reporting services may also provide other benefits, such as access to rewards programs and discounts on select services.

Some providers even offer free FICO score monitoring so you can keep tabs on your credit health. Be sure to read through the terms and conditions of each provider before signing up for any rewards programs or other special offers.

Is Rent Reporting Legit?

Yes, rent reporting is legit. However, it’s important to check with your landlord or property management company to make sure they are authorized to report your rent information.


Rental reporting services can help you build your credit score and improve your chances of getting approved for loans, among other things. They’re not perfect, however, and there are some potential drawbacks to using them that you should be aware of. Overall, though, a rent reporting service can be a valuable tool in helping you improve your financial situation – as long as you choose the right one for your needs and budget.