Requirements
✓ Lease/agreement✓ Landlord verification✓ Primary residence
Likely eligible
Credit • Rent Reporting
Report your rent 🏠
Rent is usually your biggest bill but it does not show up on credit reports by itself. Use this planner to see if you qualify, count the history you can add, and gather documents before you enroll.
- History ready to report18 mo.
- Past rent documented$16,800
- Upcoming rent (est.)$8,400
- Credit impact to enroll0 hard pulls
Scope
Months reported
18
Past rent total
$16,800
Ongoing rent (est.)
$8,400
Most providers add one rent tradeline that shows total months reported. Ask how they handle late payments before you join.
How it works
- 1. Sign up with a reporting service or property manager program
- 2. Upload your lease, ID, and proof of payments
- 3. The provider checks details with your landlord or manager
- 4. Past months post together and new payments report monthly
No hard credit pullHistory often capped at 12–24 monthsReview fees & late-payment policy
Docs checklist
- Lease or addendum
- Government ID
- Proof of rent payments (bank or portal)
- Landlord/manager contact
- Service agreement or terms
Before you sign, ask how the service protects your data, reports late payments, and handles cancellations.
FAQ
Does every model count rent?
No. Treat rent as supplemental history—helpful but not a guaranteed score boost.
Can I cancel later?
Most providers allow cancellation; previously reported months typically stay on your report.
How do I pick a provider?
Compare fees, which bureaus receive data, how late payments are handled, and landlord verification requirements.
What about roommates?
Each renter usually needs their own enrollment with proof of residence and payment responsibility.