Build Credit With Bills You Already Pay.
Better credit means lower car payments, easier apartment approvals, and premium rewards cards. Report your rent, utilities, and phone bills in 5 minutes—get up to 24 months backdated.
🔒 No credit card required. We respect your privacy.
Join 4,923+ renters waiting for early access.
Example dashboard
Recent Payments Reported
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See How Much You Could Save
Good credit isn't just a number—it's thousands of dollars in your pocket
Better Apartments
Avoid 'bad credit' rent premiums and get approved for the places you want
Lower Car Payments
Save over the life of your loan with better interest rates
Business Funding
Access business loans and credit lines at reasonable rates
Travel Rewards
Qualify for premium cards with points, perks, and travel benefits
Insurance Savings
Many insurers charge less for customers with good credit
Skip Deposits
No more utility and phone security deposits
Powered by SmartCheck™ AI
Our AI automatically detects your rent, utilities, and phone payments—no lease uploads, no landlord verification. Build credit effortlessly, then start saving on car loans, apartments, insurance, and more.
- 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—and saving money on cars, apartments, and more
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 automatically each month. You focus on what matters—like saving thousands on your next car or apartment.
Simple, Transparent Pricing
One plan. Everything included. Less than $5/month to potentially save thousands.
Platform Access membership billed monthly
💡 Less than $60/year to potentially save $2,000+ on your next car alone
- 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 Start Saving?
Five minutes to set up. Thousands in potential savings on cars, apartments, and more. Enter your email to get early access.
🔒 No credit card required. We respect your privacy.
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.