Build Credit With Bills You Already Pay.
Report your rent, phone lines, and utilities to credit bureaus. Sign up in 5 minutes. Set it and forget it. Get up to 24 months of payment history backdated.
No lease upload required. No landlord involvement.
Example dashboard
Recent Payments Reported
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Powered by SmartCheck™ AI
Our AI automatically detects and verifies your recurring payments—rent, utilities, and phone bills—directly from your bank transactions. No lease uploads. No landlord verification. Just connect and go.
- Report rent, utilities & phone lines automatically
- 24 months of payment history backdated
- 5-minute setup—then set it and forget it
- Bank-level security with 256-bit encryption
Super Easy. Seriously.
Three simple steps to start building credit with your rent, utilities, and phone bills
Connect in 5 Minutes
Securely link your bank account via Plaid. No lease upload. No landlord needed. Done in minutes.
We Find Your Bills
Our SmartCheck™ AI automatically detects your rent, phone, and utility payments—up to 24 months back.
Set It & Forget It
We report your payments to credit bureaus automatically each month. You don't have to do anything else.
Simple, Transparent Pricing
One plan. Everything included. No hidden fees.
Platform Access membership billed monthly
- Report rent, utilities & phone bills
- 24 months of history backdated
- 5-minute setup, then set & forget
- No lease upload required
- TransUnion & Equifax reporting
- Cancel anytime guarantee
⏰ Early access pricing—this rate won't last forever
No hidden fees. Cancel anytime. See Terms for billing and refund details.
Ready to Build Credit?
Enter your email to get early access. We'll notify you when it's your turn.
Important Disclosures
We believe in transparent, responsible financial messaging—especially around credit.
- Not a bank. The Rent Reporter is not a bank, lender, or financial institution.
- Not a credit repair agency. We do not provide credit repair services, legal advice, or guarantees of credit score outcomes.
- No score guarantees. Reporting rent, utility, and phone payments may help build positive credit history, but credit scores and outcomes vary by person, bureau, and scoring model.
- Reporting depends on eligibility. We verify transactions to identify eligible payments. Not all transactions will qualify, and bureau posting timelines can vary.
Frequently Asked Questions
Got questions? We've got answers.