The file does not open with a mortgage rate or a listing price. It opens with a share: 21%.
What the 2025 File Actually Says
First-Time Home Buyer Share Falls to Historic Low of 21% (National Association of Realtors, 2025 (nar.realtor)). That sentence is not a headline about affordability. It is a structural fact about who is buying homes right now.
Repeat buyers and investors are the majority of purchases. When they dominate, starter home inventory shrinks. First-time buyers are not losing on price alone; they are losing before the file even gets opened.
At 21%, every year you wait moves you further behind repeat buyers who already have home equity and a thicker file. The starter home lane is not reopening on its own.
The Starter Home Lane Is Narrowing
At 21%, the starter home lane is not just competitive. It is quiet. Builders, sellers, and listing agents follow the demand that can close fastest, and repeat buyers with equity close faster than first-timers with a thinner file.
For a renter, the file used for mortgage decisions often skips the largest monthly payment they already make: rent. That absence makes first-time status harder to overcome, even when income and savings are in place.
RentCredit is not a lender. It does not remove, dispute, or fix anything. It only adds positive on-time rent history. No score increase is guaranteed, and because only on-time payments are reported, participation cannot lower a score.
The Second Page of the File Is Blank
Most renters pay on time, month after month, and that payment history never appears in the credit file lenders see. The file is not wrong. It is just incomplete. RentCredit exists to add that missing positive on-time rent history.
We do not remove anything. We do not dispute anything. We do not fix anything. RentCredit only ADDS positive on-time rent payment history to the file, so the next underwriter sees the full track record.
What That Does Not Promise
RentCredit cannot guarantee a score increase. Nobody can, and we will not pretend otherwise. Because RentCredit reports only on-time rent payments, taking part cannot lower a score from that reporting.
What RentCredit can promise is simpler: your rent history stops being invisible. For a first-time buyer market stuck at 21%, that visibility is an honest starting point, not a magic fix.
As a licensed broker, I have watched too many first-time buyers lose a house not because they paid rent late, but because the good rent history never showed up in the file. Lenders can only underwrite what they can see. That is the gap RentCredit was built to close.
Questions people ask
Does RentCredit remove negative items or dispute anything?
No. RentCredit only adds positive on-time rent history. We never remove, dispute, or fix existing items.
Will joining the waitlist lower or raise my score now?
Joining the waitlist is free and does nothing to your credit file. Once reporting begins, only on-time rent payments are added, so that reporting cannot lower a score. RentCredit never guarantees a score increase.
Is RentCredit a lender?
No. RentCredit is not a lender. It is pre-launch, and the founding waitlist is free. We are building positive rent history reporting only.
Join the Free Founding Waitlist
The 2025 file is already set. Your rent history does not have to stay invisible. Add your name now and be first in line when RentCredit goes live.
Get on the free waitlist →RentCredit adds positive on-time rent history only. It is not a credit-repair service and not a lender. Pre-launch; reporting is not yet live.