You Pay Rent
We Report it!
Rent Reporting can help build your credit,
enroll today & start rocking your credit profile
Our pricing options help you get the most out of your reporting!
for 2-years of past rent to create a “seasoned” trade line.
We Report your Rental Payments to Trans Union & Equifax
It's Time to Give Your
Credit A Boost!
With our Smart Reporting Option, you can add up to 24-Months of historical reporting in less than 30 days for just $65
Enroll Today
Enroll in Rent Reporting & start to building credit with major credit bureaus. It’s quick & easy!
Verifying your Rent Payments
Once we verify your rental history we upload your data to selected credit bureaus. Your rental payments will show as a trade line on your personal credit report within 30 days.
Report Past Rental Payments
Report your payments for the past 24 months. Creating a "seasoned" trade line on your credit report.
Keep your trade line “open” by reporting ongoing monthly rent .
Building your Credit Profile
Higher credit scores can open many new doors & provides huge financial benefits. Banks, Lenders, Auto Dealers, Insurance Companies, all base their interest rates & premiums on credit scores.
Enroll Today, Build Credit Tomorrow
For only $6.95 per month* you can continue to build positive credit month after month
Get Started*after a one-time $48 Enrollment Fee
Rock Your Rent!
Open the door to a higher credit score by having your monthly rent payments reported to your credit profile.
Our nationwide rent reporting platform reports directly to Trans Union & Equifax.
We Got You Covered!
Property Management Companies
We try & make this a painless process, & find most Property Managers are happy to participate in our program. However, if they are not supportive & will not provide the information required, we will cancel the program & provide a full refund.
Private Landlords
We can also report for Private Landlords, but you do need to link your bank details to us at enrollment. That verifies & provides the transparency of your monthly rental payments. You can link your banking details once you enroll...it's free and secure!
Add "Smart Reporting" for best results
We strongly recommend reporting both your historical data along with ongoing rent payments. A seasoned & open trade line provides the biggest boost possible to your credit profile!
Adding A Spouse or Room Mate for Historical Reporting
Include your spouse or room mate for historical reporting for a discounted cost..
What our Customers Think
FAQs
Will this impact how I pay my rent?
No. You will continue to pay your rent to your Property Management Company or Landlord in exactly the same way that you currently do. Nothing changes!
How will my rent payments be verified?
You provide us with basic information on your landlord or property manager when you enroll. We contact them and verify your rent payments to build the credit you deserve from your timely rent payments. There is no fee to your landlord or property manager to verify your rent.
What if my landlord won't verify the payments?
If we are unable to verify your rent with your property manager you won’t pay a penny! You can also upload or send us rent ledgers or cancelled checks show timely rent payments. We try to make this flexible and easy!
I pay rent to a private landlord...can I still use this program?
Yes, but we do need any additional step. After you enroll in the program you will be asked to link your banking details. It's free and secure, but for private landlords this is mandatory! We are required to view & verify the rental payments on your banking details before we can report to the credit bureaus. If you pay rent in any other way (like cash), we cannot report your rental payments.
How much will my credit score increase?
We cannot guarantee a specific score improvement or a specific time-frame because everyone’s credit situation is different & unique. Sometimes other credit and factors will impact the credit profile, so it’s important to maintain timely payments on other credit trade lines while we are reporting your rent.
Will my rental payments be reported to all three bureaus?
No. Experian does not participate currently with Rent Reporting. The good news is that Trans Union & Equifax will report as a Tier-1 Trade lIne
Will I need to provide a lease or rental agreement?
Yes, the credit bureaus do require a document between you & your landlord. This will establish the date, the rental payments started, the frequency of payments, & amount due. We find that most tenant/landlord relationships already have a written agreement. However, if you do not have a copy of this lease, you need to contact your landlord & establish one before we can report your rental payments.
Can I just report historical rent history?
Yes, we actually have a program just for that! It’s a one-time cost, with no monthly reporting. We report up to 24-months of historical rent payments & show that on your credit report in about 30 days.
Can I add my spouse?
Rent Reporting is just like any other trade line on your credit report. It’s based on your unique information, your social security number and date of birth etc. So, we cannot provide a “joint” account, but we can add your Spouse at a discounted cost.
What happens if I pay my rent payment late?
All credit including rent payments are only considered late by the credit reporting agencies (CRA) if the payment is received more than 30-days past the due date. As long as you pay your rent within 30-days of your due date, it will be counted as an "on time" payment on your credit report. Remember to pay all your bills (including rent) on time, it’s very important!
Is Rock The Score a credit repair company?
No, we are not a credit repair service. We can refer you to a company for assistance. Simply contact us for additional information.
How will my rent payments report on my credit report?
It will show as an "open rental agreement" account on your credit report
What should I look for?
We will report your rent payments (& historical payments, if you opt for that program) on your credit report and it will show as “RTSMGMT”
Why credit cards can be good for my credit scores?
The Credit Reporting Agencies like to see a good "mix" of credit & having one or two credit cards can often help improve your credit score. We have some secured credit cards on our website under the "Resources" tab...check it out!