Welcome Credit Card Brokers clients!
Start reporting your monthly Rental Payments to the credit bureaus, and start building credit!
We can even report the past 2-years of historical payments and provide an immediate boost to your credit profile.
Report your rent payments and enroll today!
Getting Started
Start Rocking Your Score
Enroll Today!
Start reporting your positive rent payments to credit bureau(s) Enrolling is quick & easy. Start today!
Verify Rent Payments!
Simply upload your Lease Agreement and Photo ID. We verify your payment history & report ongoing rental payments to immediately improve your credit profile.
Established Tradeline!
Your on-time rent payments are reported to selected credit bureaus each month. Most renters add their rental history for the previous 24 months ($85 one-time fee) for the greatest impact to their credit profile.
Changing Lives!
Improved credit & higher scores will open many new doors & can provide a huge financial benefit. Banks, Lenders, Auto Dealers, Insurance Companies, & many other entities base their interest rates or premiums on your credit profile. Did you know...over 80% of employers now review credit in the hiring process! Great Credit Matters!
How It Works
Rent Reporting Program
What is Rent Reporting?
Features
Property Management Companies and Private Landlords
We try & make this an easy process & find most Property Managers and Landlords are happy to participate in our program.
Did You Know...
There are over 118 million Renters in the US and increasing by over 2,500 new Renters everyday. This information should be reported to the credit bureaus...Now It Can!!
Add "Smart Reporting Option" 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 to your credit profile!
We Report Your Rent Payments To TransUnion & Equifax!
FAQs
Will reporting my rent payments help me buy a home in the future?
The rental payments reported by Rock the Score are embedded into the fabric of your credit report, will enhance your credit profile and help increase your credit scores. On-time rental payments enhance the mortgage approval process by positively impacting the underwriting decision on a loan application. Having a higher credit score could result in a lower mortgage rate as well! Our platform has helped many renters achieve the dream of homeownership…. you could be next!
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 help build the credit you deserve from your timely rental payments. There is no cost to your landlord or property manager to verify your rent. You can also upload or send us rent ledgers, bank statements or cleared checks from your on-line banking showing rent payments.
What if my Landlord won't Verify My Rent Payments?
You have the option of providing rent ledgers, bank statements or cleared checks showing rent payments have been made. If we are unable to verify your rental payments, we will refund your enrollment in full.
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. Many factors impact a credit profile and it’s very important to maintain timely payments on all credit lines while we are reporting your rent.
Will my Rental Payments be reported to all three Bureaus
No. Experian does not currently participate in Rent Reporting. The good news is that Transunion and Equifax will report your rental payments as a Teir-1 Trade Line.
Will I need to provide a Rental Agreement or Lease?
Yes, The credit bureaus do require a signed lease agreement between you & your landlord. This will establish the date the rental payments started, the frequency of payments, & amount due.
Can I add my Spouse?
Rent Reporting is just like any other tradeline on your credit report. It’s based on your unique information, your social security number & date of birth etc. So, we cannot provide a “joint” account, but we can add your Spouse (or roommate) at a discount. Email us at support@rockthescore.com for more information.
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 & do not assist in any credit repair activity.
How will my Rental Tradeline appear on my Credit Report?
It will show as an "open rental agreement" account on your credit report and will show as RTS MGMT
What is PerfectPayRent?
PerfectPayRent enables Tenants to stay current on their monthly rental payments and helps prevent defaults, thereby reducing evictions/turnover for Property Managers. For additional information please visit: www.perfectpayrentrockthescore.com