Yes, you can—if your sublease meets the right criteria.
To qualify for rent reporting, you must have a written agreement directly with the primary landlord, property manager, or owner of the home. If your arrangement is only with the original renter (the person on the main lease), we’re unable to report those payments.
💡 Tip: If you're not listed on the main lease, ask to be added or request a formal sublease agreement with the property owner or manager. This ensures your payments are eligible and verifiable.
We rely on you—and your landlord—to keep us updated so we can report your rent accurately to the credit bureaus. If your landlord informs us that you’ve moved or are no longer renting from them, we’ll contact you to confirm. Once verified, we’ll close out your account to prevent incorrect reporting.
💡 Tip: Always notify us directly when you change addresses to avoid delays or disruptions in your rent reporting.
Yes—up to 24 months of verified rental history.
We can report your past rent payments going back two full years from today. This adds valuable age to your credit profile, which can significantly boost your score. In fact, length of credit history accounts for 15% of your FICO score.
Once you enroll and submit your photo ID and lease agreement (if available—it's optional), our verification team will contact your landlord to confirm the details. Upon successful verification, you’ll receive credit for up to 24 months of rent—even if it’s from a previous address.
Yes—you can report both, including past history at your current address.
We offer dual reporting:
> Up to 24 months of verified rent history from your previous address
> Ongoing monthly reporting for your current residence
> And if you’ve lived at your current address for a while, we can also report up to 24 months of past rent there too
During enrollment, you’ll select either 12 or 24 months of history for each address. For ongoing reporting, choose between a monthly subscription or an annual plan (renewed every 12 months).
💡 Tip: Reporting both addresses—especially if you’ve built history at your current one—can maximize your credit profile by combining depth and consistency
Yes—frequent movers and short-term renters can still qualify.
We support rent reporting for month-to-month leases, short-term stays, and frequent address changes—as long as each lease is residential and verifiable. You can report rent from multiple addresses over time, and even combine past history with current reporting.
💡 Tip: If you’ve moved several times in the past two years, we can help you report each address individually to maximize your credit-building impact.
Yes—if it’s a legal residential unit with a verifiable lease.
Accessory Dwelling Units (ADUs), guest houses, and converted garages can qualify for rent reporting if they’re legally rented and you have a written agreement with the property owner or manager.
💡 Tip: If your setup is informal, we may still be able to verify it—just provide payment records and landlord contact info.
Yes—if your landlord confirms your payments.
We don’t require a formal lease to report rent. As long as your landlord can verify your residency and payment history, we can report to TransUnion and Equifax.
✅ For Experian: banking transactions (Zelle, Venmo, PayPal, checks, or transfers) are required to confirm your payments.
💡 Tip: A written lease helps—but isn’t mandatory. What matters is landlord verification and, for Experian, traceable payment records.
No—ZIP codes don’t limit your ability to report rent.
We report verified rent from any U.S. residential address, regardless of ZIP code, city, or state. What matters is that your lease is residential and your payments are verifiable.
💡 Tip: Whether you live in a big city or a rural town, we can help you build credit with rent reporting.
Yes—if your lease or landlord confirms your arrangement.
You can report rent in a shared housing setup as long as either:
Your name is listed on the lease, or
Your landlord can confirm that you live there and make rent payments.
💡 Tip: If you're not on the lease, ask your landlord to verify your residency and payment history directly—we’ll handle the rest.
Yes—to TransUnion and Equifax.
Cash payments are eligible for rent reporting as long as either:
You have a lease with your name on it, or
Your landlord confirms your payment history and residency.
⚠️ Note: Experian requires traceable banking transactions (Zelle, Venmo, PayPal, checks, or transfers). Cash alone won’t qualify for Experian reporting.
💡 Tip: If you pay in cash, just ask your landlord to reply to our verification email—it takes less than 30 seconds.
No—it doesn’t need to match your lease.
Your photo ID is used to verify your identity, not your residency. We don’t require the address on your ID to match your lease agreement.
✅ What we do need: a clear copy of your photo ID to confirm we’re working with the right person.
No—credit bureaus only allow one rent reporter per address.
TransUnion, Equifax, and Experian permit a single rent reporting source for each address on your credit file. If another company is already reporting the same address, we won’t be able to add it again.
⚠️ Important: If you enroll and we discover that your address is already being reported by another provider, we won’t be able to process the report—or issue a refund.
💡 Tip: Always check your credit report before enrolling to ensure your address isn’t already claimed.
No—only residential leases are eligible.
Third-party rent reporting agencies like ours are authorized to report residential leases only. Commercial leases—even if they’re in your personal name—are not eligible for consumer credit reporting.
💡 Tip: If you live at a residential property and pay rent monthly, we can help you build credit with verified reporting to all three bureaus
Not yet—we’re Earth-only for now.
Credit bureaus currently limit rent reporting to verified residential addresses within the United States. While we admire your interplanetary ambition, rent reporting hasn’t expanded beyond planet Earth.
💡 Tip: If you have a U.S.-based residential lease, we can help you build credit—no matter how far your imagination travels.
Yes—if your rental arrangement is residential and verifiable.
Mobile homes, RV parks, and manufactured housing communities are eligible for rent reporting if you pay monthly rent and have a lease or rental agreement. We’ll verify your residency and payment history just like any other address.
💡 Tip: Whether you rent the unit or just the lot, we can help you report it—just make sure your landlord or park manager can confirm the details.
Sometimes—if it qualifies as a long-term residential arrangement.
Rent paid to hotels, extended stays, or Airbnb hosts may be eligible if you’ve lived there for 30+ days, pay monthly, and have a written agreement or consistent payment history. We’ll review your documentation and contact the property manager or host to verify.
💡 Tip: If your stay resembles a traditional lease—same unit, monthly payments, and long-term intent—we may be able to report it.
Yes—if the payments are verifiable.
You can report rent paid to a family member as long as they’re able to confirm your payment history. A formal lease is helpful but not required. We’ll verify the arrangement just like any other landlord-tenant setup.
We report verified rent to TransUnion and Equifax by default. If your payments are traceable through banking records—such as Zelle, Venmo, PayPal, checks, or bank transfers—we can also report to Experian.
💡 Tip: The more documentation you have, the faster we can verify and maximize your bureau coverage.
Yes—if your lease or landlord confirms your arrangement.
We can report rent from subsidized housing, including Section 8, as long as either:
Your name is listed on the lease, or
Your landlord completes our verification of rent.
✅ Important: We report the full rent amount—not just your portion—so you get credit for the entire payment.
💡 Tip: Once your landlord receives our verification request, it takes less than 30 seconds to complete—no paperwork, no hassle.
Yes—your rent is reported for the full month, regardless of move date.
Whether you move at the beginning, middle, or end of the month, we report rent for the entire month. We don’t prorate.
✅ What we do need: your accurate move-in and move-out dates, so we can keep your credit reporting clean and compliant.
💡 Tip: Rent reporting is month-based, not prorated—just make sure your move dates are accurate so we can keep your credit file clean
Yes! We report to TransUnion, Equifax & Experian.
Experian has a slightly different reporting process than TransUnion & Equifax. After we complete your account for TransUnion & Equifax, you will receive a text message and email letting you know that you now have the opportunity to start the Experian process. Please see our Experian FAQs.
To have your rent reported to Experian, you must:
Experian Reporting Timeline:
If the above steps are completed by the 15th of the month, then your new Experian account will be reported on the 5th of the next month!
No two credit profiles are identical. However, we have generally seen a range of 7 to 120 point increases. For someone that has not established credit, it is possible for them to get a score above 640 fairly quickly. On the other side of the spectrum, if someone has established a strong credit profile, with all on-time payments, they will probably see a much lower impact to their credit score – as with adding any new trade line. It has been our experience that in most cases someone will always pay their rent on time, however, may let a car payment or credit card go late. If this is the case, they should definitely be reporting their monthly rent payments. While you should never go late on any payment, you should at least get credit for all your on-time payments.
It is important to understand that with any company that reports information to the credit bureaus, they (including us) do not control how much a score is increased. Whether the reporting is a mortgage loan, car payment, credit card, or rent, we simply take the data, verify it, and submit it to the credit bureaus. Each credit bureau has their own algorithm and fico scoring model to determine how much, if any, that new account will affect your overall credit score.
No! We do not pull your credit and cause a new inquiry! This is another benefit of having your rent payments reported! You can create a new account without any inquires! Every inquiry on your credit report can reduce your score.
Generally our customers always see some sort of score increase. Some points to keep in mind:
Yes – Your account will show closed if you only enroll in the past 12 or 24 month reporting. This still has the benefit of creating a great past history for you and building your credit profile. To show the account as open, we are required to verify your ongoing monthly payments with your landlord. Most of our renters experience the best increase in their scores when we report past history along with current ongoing reporting!
We report twice a month to TransUnion and Equifax on the 5th and 15th. After reporting, TransUnion & Equifax typically have your new account active within 5-7 business days.
For Experian - if we have received your rent verification by the 15th of the month, then your new Experian account will be reported on the 5th of the next month (see Experian FAQs). Experian will typically have your new account active within 5-7 business days.
If you are using a 3rd party Credit Report Provider such as Credit Karma, Free Credit Report, or Credit Sesame to view your report, you need to be mindful of how often they update their database. Some of these companies only update once a month, while others update once a week. In addition, some of these companies will update and show your new rental account, but will not update your score.
If you do not see your new account appearing by the 15th of the month (for reporting from the 5th ) or the 25th of the month (for reporting from the 15th ). Please follow these steps:
While this is very rare, in some situations if you have a “freeze” or “monitoring” on your account, this can cause your new rental account to be deleted. If this happens, please reach out to the company that your hired to “freeze” or “monitor” your account and ask them to allow your new rental account to appear.
If you do not have the above service associated with your credit profile, and your account disappeared, please contact our office and we will open a help ticket with TransUnion, Equifax & Experian. We typically hear back from them within 3 business days.
No - we are not a credit repair company. We are a third-party credit reporter. Our job is to verify your payments and report that information to the credit bureau.
The below graphic shows how an actual rental account appears. Your new account will show Creditrentboost.com!
The Vantage Score 3.0 is a credit score model used by many lenders to evaluate your creditworthiness. It’s updated weekly or monthly (depending on your product selection) using your Equifax credit data and provides a clear snapshot of your credit health, helping you understand how lenders view your credit profile.
No. VantageScore 3.0 and FICO are two different scoring models. Both are used by lenders, but they may weigh certain credit factors differently. VantageScore is widely accepted and updated monthly in this service.
No. Checking your VantageScore through our platform is a soft inquiry and does not impact your credit score in any way.
Your score may fluctuate due to changes in credit usage, new accounts, payments, or inquiries. Check your Score Factors for more detail.
Score Tracking lets you monitor your credit score over time by providing month-over-month updates. It helps you visualize trends, track improvements, and understand how your financial actions impact your credit score.
Your score is updated weekly or monthly (depending on the product option you selected), allowing you to see trends and changes over time based on your financial activity.
Yes. Score Tracking provides a visual timeline of your monthly scores, so you can monitor progress and patterns.
By seeing how your score reacts to actions like paying down debt or applying for credit, you can make smarter decisions to improve your credit.
Score Factors show you the top four elements that are currently affecting your credit score. Common factors include payment history, credit utilization, length of credit history, and new inquiries.
This helps you understand what’s helping or hurting your score, so you can make informed decisions to improve your credit.
Common factors include payment history, credit utilization, length of credit history, and new inquiries.
They are updated each week or month depending on the product option you selected. You’ll receive the top 4 factors currently influencing your score during your updated frequency chosen.
Yes. By addressing issues like high balances or late payments, you can work to improve your credit profile over time.
The Vantage Score 3.0 is a credit score model used by many lenders to evaluate your creditworthiness. It’s updated weekly or monthly (depending on your product selection) using your Equifax credit data and provides a clear snapshot of your credit health, helping you understand how lenders view your credit profile.
Check for accuracy in account details, payment history, balances, inquiries, and any unfamiliar accounts that could indicate fraud.
Yes. If you find incorrect information, you can contact Equifax directly to file a dispute.
Daily Credit File Monitoring tracks your Equifax credit file every day for significant changes such as new accounts, credit inquiries, or personal information updates. If any changes occur, you’ll receive instant alerts to help you quickly identify potential fraud or errors.
Alerts are sent for new accounts, hard inquiries, name or address changes, delinquent payments, and other significant updates.
You’ll receive real-time notifications, typically within 24 hours of a change being detected.
While it can’t prevent identity theft, it helps you detect it early so you can take immediate action.
If your identity is compromised, Fully Managed ID Theft Restoration assigns you a dedicated specialist who manages the entire recovery process on your behalf. This includes filing reports, contacting creditors, mediating with agencies, and helping restore your credit, giving you expert support and peace of mind during a stressful time.
This helps you understand what’s helping or hurting your score, so you can make informed decisions to improve your credit.
Contact our support team. You’ll be assigned a dedicated specialist who will guide you through the restoration process.
They are updated each week or month depending on the product option you selected. You’ll receive the top 4 factors currently influencing your score during your updated frequency chosen.
No. Full restoration services are included in your plan at no additional cost.
Multi-Bureau Credit-File Monitoring keeps an eye on your credit files at all three major credit bureaus—Equifax, Experian, and TransUnion. You receive alerts whenever key changes happen on any of your credit reports, providing broader protection and insight than single-bureau monitoring.
Not all lenders report to all three bureaus. Monitoring Equifax, Experian, and TransUnion ensures you don’t miss critical changes or fraudulent activity.
Yes. If a change is detected in any bureau’s file, you’ll be alerted with specifics about what changed and where.
No. Multi-bureau monitoring is included in premium-level plans for comprehensive protection.
The Monthly Tri-Merge Credit Report provides a consolidated view of your credit reports from all three major bureaus—Equifax, Experian, and TransUnion—in one easy-to-understand report. You also receive your VantageScores from each bureau monthly, giving you the most comprehensive picture of your credit health.
It’s a consolidated credit report that pulls data from Equifax, Experian, and TransUnion into one easy-to-read document, giving you the full picture of your credit standing.
A Tri-Merge report shows all credit activity reported to any of the three bureaus, unlike single-bureau reports which only show what’s reported to one.
Once a month, giving you the most up-to-date view of your full credit profile.
3rd Party Rent Reporting agencies such as ourselves are only authorized to report Residential Leases - not commercial leases (even if the commercial lease is in your personal name).
We have several different options:
Ongoing Rent Reporting (From today for the next 12 months):
*If only selecting a monthly subscription, there is a $25.00 one time enrollment fee. However the enrollment fee is waived if you also add a past reporting option!
Past Reporting:
Expedited Service: $100 – With expedited service, your rent trade-line will be reported to TransUnion & Equifax within 72 business hours of us receiving all documents and completing your file (your lease agreement, photo ID, any documents needed from your landlord, and your landlord verifying your payments). TransUnion & Equifax typically have your trade-line active within 72 business hours after receiving your file. Expedited service accounts do not qualify for a refund for any reason.
You are welcome to cancel anytime. If we have already started to process your file or reported the new tradeline, you will not be entitled to a refund. If your landlord has enrolled their company in our credit reporting program, which is causing us to report your rent payments, you will need to contact them directly to cancel any reporting. It will be solely at their discretion, and they will need to provide us written authorization.
We take your personal information security very seriously. You will never be asked to provide your social security number over the phone or in an email. All employees of 950 Credit, Inc must pass a full background check and have different security levels in our internal system. Periodically we have an outside IT security firm perform an audit of our systems to ensure we have the best and most UpToDate software protecting our data.
We want you to enroll with confidence! If we are unable to verify your landlord, we will immediately issue you a 100% refund as long as you also meet the requirements to be eligible for a refund (see FAQ "Why would I not qualify for a refund?"). We do not set the landlord verification methods… TransUnion, Equifax & Experian have a strict vetting procedure that we are required to follow. While we are able to verify most landlords, some unfortunately will not qualify.
If you enroll in our service and it appears that you and/or your landlord are trying to commit fraud – we will not issue a refund and will also notify the appropriate authorities. 950 Credit, Inc along with TransUnion, Equifax & Experian are committed to providing 100% accurate information. It is a federal crime to commit fraud in reference to credit reporting.
If you own the home, or are on title in any way of the home you will not qualify for a refund.
We are unable to issue a refund if you simply change your mind or you currently have another company reporting rent payments for the address you enroll with us.
If you are subleasing without the landlord's or owners consent.
If you have not requested a refund within 30days of enrolling you will not qualify for a refund.
If you select expedited service at checkout, your account will not qualify for a refund for ANY REASON (even if we are unable to verify your landlord). When selecting expedited service, your file moves to the front of the line and all of our staff start to process it immediately. This is especially important to keep in mind if you rent from an Individual Owner – you need to verify that they will either submit a copy of their photo ID or complete five questions with our Landlord Department.
After your file is completed, we are unable to issue any refunds. Please note we do not control how much your credit score will increase since all credit profiles are 100% different. We have seen a range of 7 points to 120 points depending on how strong your credit currently is. If your current credit score is in the lower range, you will most likely see a higher increase then someone with a 690+ score.
We love to talk to our clients! There is a communication feature found within your Tenant Portal allowing you to contact us. Our Phone Support hours are Monday - Friday, 10am to 2pm (Arizona MST). Plus you are always welcome to chat live with us directly from our website during those hours! You may also email any questions to Support@CreditRentBoost.com, or feel free to call 844-950-Rent (7368) during our Phone Support Hours. All emails and communications through the tenant portal will be responded to within 24 business hours.
Contact us: https://www.creditrentboost.com/contact/
1. Complete the enrollment form – Choose from 1, 2, or 3 renters – Depending on how many names are on your lease agreement that would like to build their credit! At checkout, you will be given the option to choose which services best fit your needs. We offer reporting for the past 12 – 24 months and current reporting – from today for the next 12 months. For best results, our clients have opted to have us report the past 24 months and current reporting. This builds history, while also creating a current trade-line.
2. You will receive a link to your Tenant Portal within a few minutes of your enrollment.
3. Upload your photo ID in your Tenant Portal as we must have this to get started. You can also upload your lease agreement if you have it available for quicker processing. If you do not have the lease agreement, no worries! We will reach out to your landlord to verify all information OR you or your landlord can email a copy of your lease agreement to support@creditrentboost.com.
4. Let your landlord know we will be contacting them! This is especially important if you rent from an Individual Owner (IL), as TransUnion, Equifax & Experian require us to either obtain a copy of their photo ID, which they can upload through their Landlord Portal OR they can answer five questions also in their Landlord Portal to verify their identity. We are also required to obtain a copy of the public tax records to verify ownership. If you do rent from an IL, it is VERY IMPORTANT that you speak to them prior to enrolling to verify that they will be willing to submit a copy of their photo ID or answer 5 quick questions to verify their identity.
If you rent from a property manager or apartment complex, we will reach out to them to verify your monthly payments!
No! Your address on your photo ID does not need to match your lease agreement. We do need a copy of your photo id to verify we are talking to you!
No – Unfortunately you do need to be listed as a renter on the lease agreement. We would recommend reaching out to your landlord and asking them to add your name to the lease agreement.
Yes you can! As long as you have a written agreement with the primary landlord / management company or owner of the home. We are unable to report any rent payments if you only have an agreement with the original renter that signed the rental agreement with the landlord or management company. (If you’re not on the main lease – you should request to be added)!
Yes! Please reach out to your landlord or management company and let them know that you have enrolled in our rent reporting program. While it is our goal not to cause them any additional work, we will need them to verify your monthly payments and potentially provide us some other information. Feel free to cc support@creditrentboost.com if you email your landlord or management company.
No! It is our goal not to inconvenience your landlord or management company. If you have enrolled in our Current Rent Reporting, your landlord or management company will receive one email a month from our verification department.
Property Management Company (PMC) Or Apartment Complex (AC) – If you rent from a PMC or an AC and they have a website, we are able to fulfill the credit bureaus’ vetting requirements without inconveniencing your landlord. We simply reach out to them to verify your on-time payments.
Individual Owner (IL) – If you rent from an IL, TransUnion, Equifax & Experian require us to either obtain a copy of their photo ID, which they can upload through their Landlord Portal; Or they can answer five questions, also in their Landlord Portal, to verify their identity. We are also required to obtain a copy of the public tax records to verify ownership. If you do rent from an IL, it is VERY IMPORTANT that you speak to them prior to enrolling to verify that they will be willing to submit a copy of their photo ID or answer 5 quick questions to verify their identity.
While it is our goal to help all renters, not all landlords will be able to provide the necessary information required. If we are unable to work with your landlord/property manager or verify your rental history, we will issue you a full refund in 7-10 business days. So, you can enroll with confidence! In addition, you might be able to provide alternative proof of payment. Each situation will be reviewed case by case.
No! Rent reporting has no affect on your landlord’s personal credit or their income taxes. Rent reporting can have a very positive effect for the renter!
Yes! If you rent from a family member, TransUnion, Equifax & Experian requires us to either obtain a copy of their photo id, which they can upload in their Landlord Portal; Or they can answer five questions also in their Landlord Portal to verify their identity. We are also required to obtain a copy of the public tax records to verify ownership. If you do rent from a family member, it is VERY IMPORTANT that you speak to them prior to enrolling to verify that they will be willing to submit a copy of their photo ID or answer 5 quick questions to verify their identity.
No. If your name appears on title to the home we cannot report on your credit report. The only exception to this is if you had previously leased the home and then purchased it. In which case, we will need documentation to this effect.
TransUnion & Equifax only requires payments that are past due 30 days to be reported as late. Most renters always pay before their account reaches that status. However, if a landlord does report to us that you are 30 days late, we are obligated to report it. If that information is incorrect, please provide us proof of payment and we will confirm with your landlord and immediately work towards correcting the reporting.
Great question! You continue to pay your rent directly to your landlord every month. We do not accept any rent payments.
If your rent changes, please send us a copy of your new lease or addendum and will update your account!
TransUnion, Equifax & Experian requires us to only report rent. Sometimes there are utilities, parking, or storage included in the amount you pay in each month, we are not allowed to report those extras.
We work with all names on the lease, so roommates and spouses can also build their credit. In fact, we offer a multi-renter discount on current rent reporting. For two renters, the cost is $88 for the first 12 months with an annual subscription, or a monthly subscription at $9.95/ mo. If you decide to continue reporting for the next year, you simply renew at the current rate. Roommates and spouses can also take advantage of our past rent reporting option!
Yes you can! As long as you have a written agreement with the primary landlord / management company or owner of the home. We are unable to report any rent payments if you only have an agreement with the original renter that signed the rental agreement with the landlord or management company. (If you’re not on the main lease – you should request to be added)!
