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The only way to build credit without taking on new debt

Paying online is more than just convenient. You'll build credit history with every rent payment.

“We spent years fighting to make rent reporting a real part of your credit history, and we're thrilled that you can now get credit for your largest monthly expense.” - Matt Briggs, CEO

RentTrack is a secure credit reporting agency

Rent payments will show up on your credit report as another account. It appears just like a charge card or mortgage, with one key difference: you don’t need to take on more debt to get the credit you should already be earning.


With each payment, you receive a positive mark on your credit report – the longer you demonstrate responsibility, the better your credit.

We pioneered rent reporting withall three bureaus.

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Blog

Why reporting to all three — is key

Having a good credit score is the key to opening many important doors in your life: it helps qualify you for car loans, mortgages, credit cards, and more. A solid, positive credit track record also can also enable you to procure bigger loans at better rates.

There are many factors that can make (or break) your credit. Take for example, how you handle your credit cards. From making payments to overuse, opening simultaneous new accounts, and how long you keep your accounts open, how well you manage your credit card use (or not) impacts your credit history.

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A positive rental tradeline with no added debt on your credit history

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A tradeline is the industry's term for an account on your credit report. Those accounts collectively define your credit score. When we process your payment or verify your existing rent payment, we securely report this data to each credit bureau. Every month, you'll see confirmation that your rent was reported.

How does rent show up on my credit report?

Your rental payment information will be included as part of your standard credit report. Your positive rental payment data allows you to establish or build credit history.

Will rent reporting impact my FICO score?

Rent payments are used to formulate your FICO 9 score and VantageScore. You never know what scores lenders will be looking at, so RentTrack reports to all three major credit bureaus.

What type of rent information is in my report?

Your report shows your rental property details and how much your monthly rent payment is. This updates monthly.

How do lenders use my rent information?

Your rental tradeline is used in different scoring models, such as FICO 9 score and VantageScore, and is also accepted by Fannie Mae and Freddie Mac for mortgage decisions.


To do it right, RentTrack sets a higher standard

RentTrack is secure
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PCI Compliant

PCI compliance ensures your sensitive data is protected. We work with an independent security assessor to conduct audits of our processes and systems to uphold the highest PCI standards.

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EI3PA Compliant

EI3PA is Experian’s compliance requirement to protect consumers' credit data. We hold this certification to uphold our commitment to security.

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Identity Verification

We are subject to KYC (“Know Your Customer”) and AML (“Anti-Money Laundering”) regulations. This means we verify the identity of all parties in a transaction.

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Regular Scanning

We use the best tools available for SSL Certificates and regular security scanning.

What we need and why
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Secure Practices

We use state-of-the-art cryptographic algorithms during data transmission and in our databases. We do not store sensitive credit or banking data on our servers.

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We built the rent reporting industry

We’ve always believed it is your right to have your largest expense reported to the credit bureaus, which is why we pioneered rent reporting & report to all 3 major credit bureaus.

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Years of security & compliance history allow us to safely handle millions of dollars per day.

We’re even fighting for legislation to make rent reporting your legal right. Learn more.

We treat your information seriously

RentTrack is a certified credit reporting agency. We meet federal and private standards for security.

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Secure Customer Communications

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Thorough Identity Verification

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Public Record Monitoring

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Real-Time Credit Account Alerting

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Monthly Credit Summary and Score

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Award Winning Member Service

Start building credit

Whether your landlord uses RentTrack or not, you can build credit today—we'll either make a direct deposit to your landlord or mail a check. The power to build credit is in your hands.

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