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What is the difference between Premium and Basic?

Last updated October 2026

Both plans report your on-time rent payments to Equifax, TransUnion, and Experian. Premium adds more features:

FeatureBasicPremium
Reports on-time rent to Equifax, TransUnion, and ExperianYesYes
Credit score trackingNoYes
Reports up to 24 months of past rent paymentsNoYes
Identity theft protection (up to $1 million)NoYes
Bonus rewards with participating brandsNoYes
Piñata Points for each successful rent payment10 per month60 per month

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