Credit Feen’s:
Rent Reporting Information Guide
Pay Rent? Get Credit.
Your rent is probably your biggest monthly expense—so why not let it work for you? Rent reporting helps you turn on-time payments into credit-building power by adding them to your credit report. This guide breaks down the top rent reporting services, who they report to, what they cost, and how to get started. No guessing. Just real options to boost your credit with bills you’re already paying.
Your rent is probably your biggest monthly expense—so why not let it work for you? Rent reporting helps you turn on-time payments into credit-building power by adding them to your credit report. This guide breaks down the top rent reporting services, who they report to, what they cost, and how to get started. No guessing. Just real options to boost your credit with bills you’re already paying.
Rent Reporting Options
1. Niruu
- Reports to: Experian, Equifax, TransUnion
- Pricing:
- Monthly: $35/month
- Annually: $300/year
- Features:
- Reports up to 24 months of past rent payments
- Only on-time payments are reported
- Includes credit score monitoring
- 7-day money-back guarantee
- Website: niruu.com
2. Credit Rent Boost
- Reports to: TransUnion, Equifax, and Experian (with some conditions)
- Pricing:
- Ongoing Reporting: $6.95/month or $49/year
- Past Reporting: $49 for 12 months or $65 for 24 months
- Features:
- Average credit score increase of 20–60 points
- Discounts for roommates
- Results seen in less than two weeks
- No credit inquiry required
- Website: creditrentboost.com
3. Rental Kharma
- Reports to: TransUnion and Equifax
- Pricing:
- Setup Fee: $75
- Monthly Fee: $8.95
- Features:
- Reports all past payment history at your current rental
- Discounts for spouses or roommates
- 90-day money-back guarantee
- Website: rentalkharma.com
4. RentReporters
- Reports to: Equifax and TransUnion
- Pricing:
- Setup Fee: $94.95
- Monthly Fee: $9.95 or $94.50 annually
- Features:
- Reports up to 24 months of rent payments
- Full refund within 7 days if unsatisfied
- Expedited reporting options available
- Website: rentreporters.com
5. Boom Pay
- Reports to: Experian, Equifax, and TransUnion
- Pricing:
- Setup Fee: $10
- Monthly Reporting: $2/month
- Past Reporting: $25 for up to 24 months
- Features:
- Works with any rental type including roommate agreements and family landlords
- No landlord involvement required
- App integration for easy setup and payment tracking
- Website: boompay.app
6. Self (Credit Builder Loan)
- Reports to: All three major bureaus (Experian, Equifax, TransUnion)
- Pricing:
- Plans start at $25/month
- Admin fee typically around $9
- Features:
- Credit builder loan that reports monthly payments as installment credit
- Funds become available to you at the end of the term
- Also offers a secured credit card tied to your progress
- Website: self.inc
Credit Feen Tip: Always confirm that your landlord or property manager is willing to verify rent history before signing up. Some services offer alternate verification methods if needed.
*This document is intended for educational purposes only.