You can get free copies of your reports every 12 months from many of the specialty consumer reporting agencies (Consumer Financial Protection Bureau, 2024 (consumerfinance.gov)).
Limited visibility on payment records
Renters who want to see how their on-time rent appears must wait a full year for the next free copy.
A full year can pass before new rent data appears on the free report.
Positive history stays hidden longer
Without frequent updates, steady payments do not show up on reports in real time even when a landlord participates in reporting.
Only on-time payments are reported so participation cannot lower a score.
Building a record takes consistent steps
RentCredit reports on-time rent to help create a positive file that lenders can view, and participation cannot lower any score because only positive payments are added.
In my years as a broker I have watched tenants miss chances to show steady rent payments simply because the report cycle left them in the dark for twelve months.
Questions people ask
How does RentCredit work?
It adds verified on-time rent payments to your file so the positive history can be seen by others.
Is RentCredit a lender?
No. It is a service that reports rent data only.
What is the waitlist?
Sign up free now to join the founding group before launch.
Ready to add your rent payments?
Join the free founding waitlist today at RentCredit.
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.