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What is credit reporting?

Last updated October 2026

Credit reporting is a paid service that reports your on-time rent payments to the three major credit bureaus: Equifax, TransUnion, and Experian.

Rent payments are not usually included on a credit report. Reporting them adds your rent history to your report, which can help you build your credit.

There are two plans, Basic and Premium, each with a fee. After you enroll, it can take about 30 to 60 days for your rent payments to appear on your credit report.

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