Services that report your monthly rent payments to credit bureaus, helping you build credit history from housing costs you already pay.
Written by Harvey Brooks, Senior Financial Editor
Boom Pay and Rental Kharma are the top picks for reporting rent to credit bureaus. Most cost $2-10/month. Some can backdate up to 24 months of past payments. Only worth it if you're building credit from thin file — won't help much if you already have 5+ accounts.
Key Takeaways
Rent payments are your largest monthly expense but traditionally do not appear on your credit report. Rent reporting services change this by verifying and reporting your on-time rent payments to one or more credit bureaus. This can help people with thin credit files build a credit history without taking on new debt. We compared rent reporting services on which bureaus they report to, pricing, whether they report past payments, and ease of setup. Here are the best rent reporting services for 2026.
Reports your rent payments to TransUnion to build credit history. Average 40-point score increase in first month.
Report rent and bills to all 3 credit bureaus. Build credit from payments you already make. Starts at $2/month.
Kikoff is a credit-building platform offering secured tradelines, credit monitoring, and financial tools to help users establish or rebuild credit without credit checks or interest.
Self Financial helps consumers build credit and savings simultaneously through a credit builder loan that reports to all three major bureaus with no credit check required.
Yes, if the service reports to bureaus that use models counting rent. FICO XD and VantageScore 3.0+ count rent payments. Traditional FICO models used by most lenders may not. The biggest benefit is for people with thin credit files (fewer than 5 accounts).
Most services charge $2-10 per month. Some offer annual plans at a discount. A few landlords and property management companies include rent reporting for free through platforms like Avail or RentTrack.
Harvey Brooks
Senior Financial Editor
Harvey Brooks is a consumer finance writer specializing in credit repair, personal lending, and debt management. With over a decade covering the industry, he makes financial literacy accessible to everyday Americans. About our editorial team.
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