Fortunly's Guide
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Best Rent Reporting Services To Boost Your Credit Score in 2022

Written By
I. Mitic
Updated
June 24,2022
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

If you're struggling with your credit score, you probably know that making timely payments is one of the best ways to improve your credit. But did you know that paying rent can also help boost your credit score?

Unfortunately, you cannot report rent payments yourself, and often, your landlord can't either. However, there are several excellent rent reporting services that can help you add your rent payments to your credit score report.

Rent reporting agencies are companies that report your rent payments to credit bureaus. This means that if you always pay your rent on time, you could see a positive impact on your credit score. 

However, not all agencies are created equal, so here is our list of agencies you can trust to help improve your credit score.

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Best for: Adding long rent payment history to your report

Rent Reporters

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Rent Reporters Logo
OVERVIEW

With more than a decade under its belt, Rent Reporters is one of the most experienced agencies on our list of excellent reporting services that can help you report your rent to a credit bureau. It will allow you to add up to four years of rent payments to your score and provide expert help and tools for monitoring it. Read Review

  • Works directly with landlords
  • Offers a discount for spouses and roommates
  • Excellent credit dashboard and educational resources
Learn More
On Official Website
Free Trial:
7-day money-back guarantee
Recurring Fees:
Start at $7.95 per month
Setup Fee:
$94.95
Credit Bureaus:
TransUnion and Equifax
Rent Reporting History:
48 months
BBB Accredited:
B
Average Credit Score Increase:
40 points
Additional Features:
Free Credit Score, Personal Credit Specialist, Expedited Reporting
Best for: Multiple renters on one account

Credit Rent Boost

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Credit Rent Boost Logo
OVERVIEW

Credit Rent Boost is another popular solution for reporting rent to credit bureaus and upping your credit score. It’s quite affordable, and you can sign up to two additional renters on the same account. The agency operates by relying on your landlord. Read Review

  • Up to three renters per account
  • Results within two weeks
  • No lease required
  • Use Promo Code FORTUNLY and get a discount
Learn More
On Official Website
Free Trial:
Money-back guarantee
Recurring Fees:
Start at $5.95 per month
Setup Fees:
$25.00
Credit Bureaus:
TransUnion and Equifax
Rent Reporting History:
12 and 24 months
BBB Accredited:
A+
Average Credit Score Increase:
7-120 points
Additional Features:
Expedited service, Multiple renters
Best for: No landlord interaction

Boom

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Boom Logo
OVERVIEW

BoomReport is another excellent service you can use to report rent payments to a credit bureau, as it’s quite affordable and doesn’t require any interaction with the landlord. Read Review

  • Excellent mobile app
  • Very affordable
  • Reports to all three bureaus
Learn More
On Official Website
Free Trial:
No
Recurring Fees:
$2 per month
Setup Fees:
$10
Credit Bureaus:
Experian, Equifax, and TransUnion
Rent Reporting History:
24 months
BBB Accredited:
N/A
Average Credit Score Increase:
30-40 points
Additional Features:
Personal credit specialist, Mobile app, Rent management features
Best for: Quick credit score building

CreditMyRent

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

CreditMyRent Logo
OVERVIEW

CreditMyRent is another reputable rent reporting agency that can help you build credit by paying rent. Its monthly fee is rather affordable for the quickest agency on our list. Read Review

  • Submits up to 2 years of payments within 72 hours
  • Easy-to-use portal
  • Robust customer support
Learn More
On Official Website
Free Trial:
7-day trial program
Recurring Fees:
$14.95 per month
Setup Fees:
None
Credit Bureaus:
Equifax and TransUnion
Rent Reporting History:
12 and 24 months
BBB Accredited:
Not accredited
Average Credit Score Increase:
N/A
Additional Features:
N/A
Best for: Adding both rent and utilities

LevelCredit

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

LevelCredit Logo
OVERVIEW

LevelCredit is another reliable rent reporting service that can help you build your credit, not only by reporting your rent but also by including cell phone and utility payments. It can add up to two years' worth of payments to your credit score for a flat fee. Read Review

  • Excellent score-tracking features
  • Superb customer support
  • Offers $1M identity theft insurance
Learn More
On Official Website
Free Trial:
No
Recurring Fees:
Start at $6.95 per month
Setup Fees:
$0
Credit Bureaus:
Experian, Equifax, and TransUnion
Rent Reporting History:
Up to 24 months
BBB Accredited:
B+
Average Credit Score Increase:
N/A
Additional Features:
Identity theft insurance, credit tracking
Evaluation Criteria

How To Choose the Right Rent Reporting Agency To Build Your Credit With

If you're looking to build your credit score, you can rely on credit repair companies, attempt to fix it yourself by budgeting wisely and repaying your debt, or install a credit boosting app

For quick credit score improvement, you can also use a strong rent reporting agency, thus benefiting from your rent payments. However, if you are new to this, it could prove a daunting task to check how rent reporting services compare and decide which one would be the best option for you. 

To save you some footwork, here is a quick guide on which parameters you should evaluate before signing up for one of the services.

Online Reputation

The first thing you should do is check the agency's online presence. For starters, you should read online reviews of the agency that will tell you about its strong and weak sides.
 
Do they have mostly positive reviews? Are people happy with the service? Are there any negative reviews? If so, what do these rent reporting reviews say? If there are many customers complaining about the service provided, you might be better off signing up with another service.

You can also check social media to see if the agency is active and responsive. See if they answer questions from potential or current customers. This is often a clear indicator of what kind of support you will receive from the agency.

Collaboration With Landlords

When it comes to rent, the landlord is usually the key player. Agencies handle this relationship differently, and it’s one of the important elements to check when choosing the service that will help add rent to the credit report.

If the service requires your landlord to enroll, it will be up to your landlord to report your payments. As some landlords might not be comfortable with additional responsibility or willing to take on more work, you should consult with them first before you apply.

The other approach is for the agency to be an intermediary between you and the landlord and report your payment. These agencies collect your rent, pay the landlord and report the payment on your behalf. 

Other companies that report rental history work by monitoring your bank account. Once you make a payment to your landlord, the agency registers it and reports this to the bureau. Unfortunately, this solution is viable only if you make payments directly from your bank account, which means cash payments won't be included.

Credit Bureaus

All three US credit bureaus - Experian, Equifax, and TransUnion - have separate scoring systems. A score from one bureau might not be the same as a score from another. That's why it is essential to check which bureau an agency reports to before signing up for its service. 

Some agencies might report to one bureau, while there are also rent reporting companies that report to all 3 credit bureaus. The latter is the best option, as it will help you build your credit history with all three bureaus at once. Additionally, some of these companies will offer score tracking. With others, you’ll have to rely on a credit monitoring company to keep track of your score.

Pricing

Pricing is another important factor when choosing a rent reporting agency. It’s a good idea to look closely at each of these plans and then opt for the one that fits your needs and your budget. 

Some agencies might charge a monthly fee, while others take a percentage of your rent payment. While some will offer to place your payments for the previous 12 or 24 months on your report, others will provide expedited reporting for a fee. Some services offer free rent reporting for a trial period, which can be a great way to test out the service before you commit.

Final Note

Evaluating the factors above will help you choose the right rent reporting agency for your needs. With the right agency, you can start building your credit history and improve your credit score. Just remember to do your research before signing up for a service.

Detailed Reviews of Rent Reporting Services

Rent Reporters

Quick Facts
4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Rent Reporting History:
Up to 48 months
Bureaus:
TransUnion and Equifax
Average Credit Score Increase:
40 points
Price:
from $7.95 per month

RentReporters is a trusted rent reporting service that will help you build credit using your rent payments. Established more than a decade ago, it boasts an average score of 4.8 on Google and has provided assistance to more than 40,000 users. On average, regardless of their starting point, RentReporters users saw a 40-point increase in their credit score. 

Features

RentReporters allows the longest period of historical rent payments to be reported to TransUnion and Equifax credit bureaus - up to four years. Owing to this feature, you can create a significant increase in your credit score. 

From there, you also get free credit reports to track your progress, and this agency for rent payment credit reporting will also assign you a dedicated credit specialist to help you attain better credit. Its website also provides excellent educational materials. 

On top of it all, you can count on RentReporters for Expedited Reporting service, and VIP Expedited service that will have your payments submitted within 3-5 business days. 

Pricing 

This excellence comes at a price. RentReporters’ monthly fee starts at ​​$7.95 for the annual plan, which is more than reasonable. If you decide to go with a monthly plan, it will cost you $9.95 per month.

This rent reporting service’s setup fee is quite high, amounting to $94.95. RentReporters need to verify both you and your landlord upfront - it could explain the pricey setup fee.

Furthermore, you can add additional users, your spouse or roommate at a price of $50. If you want to add another landlord, the same price applies. 

Overall 

RentReporters is an excellent choice for anyone looking to add a long-term history of on-time rent payments to their credit score. Still, its high setup fees may be an enormous obstacle for those already struggling with their credit scores.

Key Features:

  • Can report rent to credit bureaus for up to four years
  • Excellent educational materials available
  • Allows adding multiple landlords
+ Show more

Credit Rent Boost

Quick Facts
4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Rent Reporting History:
Up to 24 months
Bureaus:
TransUnion and Equifax
Average Credit Score Increase:
Up to 120 points
Price:
from $5.95 per month

Credit Rent Boost is another reputable service you can rely on to add your rent to your credit score. It’s also one of the most affordable rent reporting services on our list. So, if you’re struggling with poor credit, this could be your fast track to improving it. 

Features

The main selling point of Credit Rent Boost is that one account allows up to three renters with a hefty discount. If you are living with roommates, this is an excellent opportunity to give everyone the credit they are already paying for. 

It takes just a couple of minutes for you to set up your account with Credit Rent Boost. The agency doesn’t require you to have a lease, and will verify the addresses of the property you rented in the past 24 months for free. 

The agency also promises not to trouble your landlord either, as all it takes is a quick call to verify the information needed for rent reporting to credit bureaus. From there, it will report your rent without affecting the relationship between you and your landlord.

Moreover, Credit Rent Boost also offers expedited reporting and promises that you will see a credit bump ranging from 30 to 120 points on your credit report within two weeks. This is because Credit Rent Boost reports your payments to TransUnion and Equifax twice a month - so they will get on your report quicker than with some other rent reporting companies. 

Pricing

Credit Rent Boost offers three pricing tiers that depend mostly on whether you would like to include previous payments and how many people you need to include. The basic, ongoing rent reporting without previous payments starts as low as $3.75 per month, or a one-time payment of $45 for the year. If you have three renters you’d like to include, the price is $105 per year, or $2.92 per month for each.

Adding previous payment to the package will double the price. A package that includes ongoing and past payments will set you back $90 per year for one renter, or $195 for three. The agency also offers an expedited route to report rent to credit bureaus for $100 and promises a full refund in case they cannot establish your payment history through your landlord.

Overall  

Credit Rent Boost is certainly the most affordable and lenient agency on our list. If you are looking to add more people as renters without breaking the bank, this one is perfect for you.

Key Features:

  • Very affordable
  • No lease required
  • Results in less than two weeks
+ Show more

Boom

Quick Facts
4.5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Rent Reporting History:
Up to 24 months
Bureaus:
Experian, Equifax, and TransUnion
Average Credit Score Increase:
30-40 points
Price:
from $2 per month

Boom is not just an agency for adding rent payments on credit report - it’s also an excellent way to manage everything rent-related - from setting auto pay through its amazing mobile app, to splitting your rent into multiple payments. 

Features

In terms of rent reporting, unlike the first two agencies on our list, Boom reports to all three credit bureaus. It allows you to sign up for monthly reporting or add up to 24 months of past payments to your credit score. Best of all, it requires neither a soft nor a hard pull on your credit score to set everything up. It doesn’t even require your landlord to do so.

What’s more, the agency offers an excellent mobile app that can help you manage your rent payments, simultaneously tracking your rent. 

Plus, if you’re new to adding rent payments to a credit report, you can count on Boom’s dedicated credit specialist. They will be available via phone and chat to help you get an estimate on what you can expect and how it all works.

Pricing

Boom’s pricing is straightforward - you can sign up as a monthly subscription for $2 per month or pay $24 yearly. There is a setup fee of $10, so it’s nothing too pricey. If you would like to add past payments, you can purchase this option as an add-on for $25. 

Overall

If your landlord is not really into taking on more responsibility to help you build your credit,  Boom is the right choice to report rent payment to credit bureaus for you. It’s affordable, takes just a couple of minutes to set up, and can help you manage your rent through an excellent mobile app. 

Key Features:

  • No landlord involvement
  • Excellent mobile app
  • Very affordable
+ Show more

CreditMyRent

Quick Facts
4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Rent Reporting History:
Up to 24 months
Bureaus:
Equifax and TransUnion
Average Credit Score Increase:
N/A
Price:
from $14.95 per month

CreditMyRent is another renowned rent reporting service which has been on the market for quite some time now. Trustpilot has singled it out as the best rent reporting service on their platform, boasting an average score of 4.2.

Features

Unlike other rent reporting agencies on this list, CreditMyRent is not transparent about its rent reporting process, so it might be hard to determine how the verification process works. However, if you can connect Rent Report to your account - the team behind CreditMyRent will report your payments without involving your landlord. 

It offers reliable customer support, a great customer portal, and other tools to help you build your credit score. Furthermore, it promises to report your payments within 72 hours, which is the fastest we’ve seen so far. 

Pricing

Pricing is straightforward with CreditMyRent. Ongoing rent reporting service will cost you $14.95 a month and is included in all three tiers. The second tier also covers reporting the payments that you made over the past year and comes with a setup fee of $99. The third will add the last 24 months of your payments to your credit score, but it has a setup fee of $149.

Overall

CreditMyRent is certainly the fastest way to have your rent added to your credit score. Its monthly fee is reasonable, and it has a dependable customer support team to help you simultaneously pay rent and build credit.

Key Features:

  • Excellent customer support
  • Payments reported within 72 hours
  • No landlord involvement
+ Show more

LevelCredit

Quick Facts
4.5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Rent Reporting History:
Up to 24 months
Bureaus:
Experian, Equifax, and TransUnion
Average Credit Score Increase:
N/A
Price:
from $6.95 per month

LevelCredit was created by Self, a consumer data reporting company, which paved the way for other agencies on our list in 2014. Its product RentTack was the first online rental payment platform which reported payments to credit bureaus. 

Features

The main reason to opt for LevelCredit instead of one of the other rental credit reporting agencies on our list is that it includes other payments besides rent and makes them work in your favor. Specifically, this rent reporting agency allows you to add gas and utility payments to your credit score. By including these significant expenses in your report, you can expect a credit report boost.

Furthermore, to get the most out of LevelCredit, you don’t have to rely on your landlord. All you have to do is create an account, link it to your bank account and mark which payments you would like to have reported. 

Pricing

LevelCredit is an agency with a straightforward pricing plan. Its monthly fee is $6.95 and includes rent reporting to each credit bureau - Experian, Equifax, and TransUnion, credit score insights, and overall tracking of your credit score.

If you’d like to add previous payments to your credit report, you can sign up for the LookBack feature at $49.95 (one-time payment). You will see a significant improvement in your credit score after using this feature, as it will bundle two years of payments and add them to the credit score.

Overall

LevelCredit is a perfect solution for anyone looking to improve their credit score in a short timeframe. With this renowned agency, you can report rent payments and include utilities and phone bills in your account. Plus, it is also an excellent alternative to hiring an identity theft protection company with its $1M identity theft insurance. 

Key Features:

  • Allows adding utility bills to the credit score
  • No landlord involvement
  • Straightforward pricing
+ Show more
Quick Breakdown

The Best Rent Reporting Agencies of 2022:

  • Rent Reporters - Best for adding long rent payment history to your report

  • Credit Rent Boost - Best for multiple renters on one account

  • Boom - Best for no landlord involvement

  • CreditMyRent - Best for quick credit score building

  • LevelCredit - Best for adding both rent and utilities

FAQ

How do I report my rent to the credit bureaus for free?

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Unfortunately, since there is no direct way for you to report your rent payments to credit bureaus, you will either have to ask your landlord to report them or go through a third-party rent reporting service. Few landlords can or will take on this responsibility, whereas rent reporting services typically come with fees.

Does unpaid rent affect credit score?

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Unpaid rent affects your credit score. Your landlord will probably report your unpaid rent to a collection agency, which will most likely report it. In turn, collection accounts can have a negative effect on your credit score and will stay on your report for seven years.

How much will rent reporting services increase my credit score?

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There is no definitive answer, as rent reporting services will affect your credit score differently depending on various factors. These include your current credit score, credit history, and the type of rent reporting service you use. On average, rent reporting agencies boast a credit score boost of 30-40 points.