There is a file sitting on many renters' desks right now, and it is getting harder to read.
The Door Is Closing for First-Time Buyers
The National Association of REALTORS just reported that first-time buyers now account for only 21% of purchases, a historic low. The median age of a first-time buyer has climbed to 40. That is not a young market. That is a market where existing homeowners and investors are buying the inventory.
For renters, this means every open house, every offer, every pre-approval feels like filing paperwork against a stacked deck. The people you are bidding against already own property. They have equity, credit depth, and timing you do not.
Only 21% of home purchases went to first-time buyers in 2025. The rest went to repeat buyers and investors, which means renters are competing against people who already own property.
What Renters Bring That Nobody Counts
You have paid rent every month, on time, for years. That is a record of reliability. But in most credit files, that record is invisible. Landlords rarely report it. So when you apply for a mortgage, the system sees a blank space where your housing history should be.
RentCredit exists only to add that on-time rent payment history to your file. We do not remove anything. We do not dispute anything. We simply add the positive data that renters have been earning all along.
RentCredit only adds positive on-time rent history to your file. Because only on-time payments are reported, taking part cannot lower a score. We never remove, dispute, or fix anything. And we are not a lender.
Why This Matters Right Now
The first-time buyer share fell to 21%, leaving the remaining share of purchases to repeat buyers and investors. That is not a temporary dip. It is a structural change, and renters are on the outside. The longer that on-time rent history stays invisible, the harder the next application becomes.
You cannot fix a market. But you can make sure your own file reflects the strength you already have. RentCredit is pre-launch and inviting renters to a free founding waitlist. No payment. No obligation. Just your name on the list.
As a licensed broker, I have watched first-time buyers walk into showings already outgunned. The investor has cash or a stronger file. The repeat buyer has equity. The renter has a stack of canceled checks and a landlord who will not pick up the phone. That is why I started RentCredit. If we can show the market that renters pay housing costs on time, we start to balance the equation. Not by disputing or removing anything, but by adding the one thing renters have earned: a positive payment record.
Questions people ask
Does RentCredit remove negative items or repair credit?
No. RentCredit never removes, disputes, or fixes anything. We only add your on-time rent payment history to your file. If you miss a rent payment, we do not report it, so taking part cannot lower a score.
Will joining the waitlist help me buy a home now?
RentCredit is pre-launch, so we are not yet adding rent history. Joining the free founding waitlist reserves your spot and keeps you first in line when we go live. We are not a lender and cannot approve a mortgage.
What if my rent is not reported by my landlord?
That is exactly the gap RentCredit fills. Once live, you will be able to submit proof of on-time rent payments directly, and we will add that positive history to your file. Only on-time payments are reported.
Get on the founding waitlist - free.
RentCredit is pre-launch. Join the free founding waitlist to be first when we start adding on-time rent history to renter files. No payment, no obligation, no lender relationship.
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.