How it helps
Find out what it’s worth
before you pay us.
Three questions, answered honestly, get you a realistic estimate. There’s no credit pull and no effect on your score to ask — and if the honest answer is that reporting your rent today wouldn’t help you yet, that’s what the estimator will say.
Estimate the effect on your score.
Nothing here is submitted anywhere and no account is created. Answer three questions and you’ll see the range we typically see for renters in your situation.
What that number is, and what it isn’t.
It’s an estimate built from outcomes we’ve seen for renters who answered the same three ways. It is not a prediction about your file, and we don’t guarantee it.
- We haven’t seen your credit report. The estimator knows three things about you; a scoring model reads everything.
- Lenders don’t all use the same model. Newer models read rental history; classic FICO does not. State which models and which bureaus, precisely, and keep it current.
- Recent collections, charge-offs or late payments aren’t offset by adding good history. Adding a positive account does not remove a negative one.
- No specific score change is guaranteed, by us or by anyone who tells you otherwise.
If the estimator tells you to wait, take it at face value. A brand-new account reads as new rather than aged, and waiting until you have enough history is worth more than starting today.
Where this actually matters.
This section states the regulatory case. Verify every claim against primary sources and link to them directly — linking to a regulator is a move a fly-by-night operator won’t make.
Newer mortgage scoring models count rent
Federal housing regulators approved scoring models in 2026 that read rental and utility payment data consumers opt in to report. Classic FICO doesn’t capture rent at all. Cite the HUD and FHFA announcements, and state the rollout honestly: a growing set of lenders can see this — not every lender yet.
Thin files get something to be scored on
If you have little or no credit history, the problem usually isn’t bad behavior — it’s that nothing was ever recorded. Several years of on-time accounts changes what a model has to work with.
It keeps working after the mortgage
The record stays current for auto loans, refinancing and insurance. It isn’t a one-time event, and a tradeline that stops updating slowly stops helping.
Not sure the estimate applies to you?
We publish who this helps and who it doesn’t, so you can decide before you pay us anything.