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Reports your rent payments to TransUnion to build credit history. Average 40-point score increase in first month.
Data compiled from public sources
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Rent Reporters is a rent reporting service that adds your on-time rent payments to your TransUnion credit report, helping you build credit from payments you're already making. Founded in 2014, the service has helped hundreds of thousands of renters establish or improve their credit profiles.
The service can report up to 24 months of past rent payments plus ongoing monthly payments. According to Rent Reporters, users see an average 40-point credit score increase within the first reporting cycle. This is because rent payments demonstrate consistent, on-time payment behavior — the single biggest factor in your credit score (35% of FICO).
Pricing: The standard plan is $9.95/month with a $49.95 setup fee (includes past payment verification). The annual plan offers a discount. Rent Reporters verifies your rent payments with your landlord or property management company before reporting.
This service is particularly valuable for renters with thin credit files (few accounts), young adults building credit for the first time, and immigrants establishing US credit history. It works alongside other credit-building tools like secured cards and credit builder loans.
Review secured card profiles by fees, eligibility fields, bureau reporting, and graduation-policy context.
This is state-level context for Credit Building consumers in San Diego, CA. It does not confirm that Rent Reporters or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Rent Reporters offers 5 services including Rent payment reporting to TransUnion, Up to 24 months back-reporting, Landlord/property manager verification, Monthly payment tracking, Credit building from existing rent payments.
Rent Reporters has profile signals associated with Renters wanting to build credit from rent payments, Young adults with thin credit files, Immigrants building US credit history.
Key strengths: Average 40-point score increase; Reports up to 24 months of past payments; Build credit from payments you already make. Areas to consider: Only reports to TransUnion (not all 3 bureaus); $49.95 setup fee.
In the Credit Building category, comparable providers include Chime, Experian Boost, Kikoff. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
profiled for Renters wanting to build credit from rent payments and Young adults with thin credit files. Strength: Average 40-point score increase. Watch out for: Only reports to TransUnion (not all 3 bureaus).
Fee-free online bank with early direct deposit, SpotMe overdraft protection, and a secured Credit Builder card that reports to all 3 bureaus. eligibility claim to verify, no minimum balance.
Profile signals: Consumers denied by traditional banks due to ChexSystems flags or thin credit files, People rebuilding credit who want a secured card that reports to all 3 bureaus with eligibility claim to verify
Free credit-building tool from Experian that adds on-time utility, phone, streaming, and rent payments to your Experian credit file to potentially raise your FICO score instantly.
Profile signals: Thin-file consumers with limited traditional credit history, Recent graduates, young adults, or immigrants building U.S. credit from scratch
Kikoff is a credit-building platform offering secured tradelines, credit monitoring, and financial tools to help users establish or rebuild credit with eligibility claims to verify or interest.
Profile signals: People with no credit history or credit scores below 600 seeking an affordable entry point to credit building, Individuals rebuilding credit after past damage who want bundled services (monitoring, disputes, debt negotiation) in one app
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