Report your on-time rent to all three credit bureaus and turn payments you've already made into the score you need — to qualify for a mortgage, finance a car, and stop overpaying on every loan.
Rent now counts toward a mortgage. Federal regulators cleared Fannie Mae and Freddie Mac to use VantageScore 4.0, which reads on-time rent as credit history. The rent you already pay can finally move the score lenders use.
Enter your rent and current credit. We'll estimate how far on-time rent reporting can move your score — and how much you'd save on the loans you care about.
Link your account securely with Plaid — the same technology Venmo and most major banks use. We never see or store your login.
We detect your rent payments and report the on-time ones to Experian, TransUnion, and Equifax. Late payments are never reported — participating can't hurt you.
Add up to 24 months of past rent for an instant head start. Most members see movement within the first reporting cycle, then build from there.
Same price as the big rent-reporting apps — but built to get you to the outcome, not just a number on a report.
We don't charge until your rent actually lands on your credit report. No "I paid for months and nothing happened."
No phone calls, no email runaround, no lock-in. Manage everything yourself, instantly.
See exactly how far you are from qualifying for the loan you want — and the next moves to get there.
Better credit can cut your car insurance by hundreds a year. As a licensed brokerage, we can re-quote and place it for you — optional, only if you want.
Add utilities, phone, and other recurring bills to build credit faster — bundled in, not an upcharge.
Built-in help in multiple languages, day or night — no waiting on a call center.
| RentCredit | Boom | Typical free apps | |
|---|---|---|---|
| Reports to all 3 bureaus | ✓ | ✓ | ✓ |
| Up to 24 months of past rent | ✓ | ✓ | Rarely |
| Free until your rent is reported | ✓ | ✕ | ✕ |
| Mortgage-readiness coaching | ✓ | ✕ | ✕ |
| Insurance savings, re-quoted for you | ✓ | ✕ | ✕ |
| Transparent pricing (no "talk to sales") | ✓ | Hidden | ✓ |
No setup traps, no "contact sales." Founding members lock in these prices for life.
Add up to 24 months of past rent for a one-time $25 — waived for founding members.
RentCredit is built by Omar Catlin, a licensed insurance broker and founder of Project5Pi and LifeCatlin Insurance. After years of seeing people pay rent perfectly for a decade and still get denied — or overcharged — for a mortgage, a car loan, even insurance, he built RentCredit to make the payment you already make count.
On-time only. Reported to all three bureaus. Your data is never sold to advertisers — if we ever connect you to a lender or a better insurance rate, it's because you asked us to.
Project5Pi · LifeCatlin InsuranceJoin the founding members. Lock in the lowest price for life and be first in when we launch in 2026.