Your Past Rent Can Still Help Your Credit

Report up to 24 months of it retroactively and boost your credit score up to 80+ points!

Report My Past Rent

Backfill up to 24 months. Reported to Equifax & TransUnion.

Three steps to a stronger credit file

Tell us about your lease

Share your date of birth, number of tenants on the lease, and upload your lease agreement.

Show your proof

Connect your bank via Plaid to auto-detect rent payments, or upload statements or receipts — then choose which months to report.

Pay & submit

Pay per month reported and we take it from there — submitted straight to the bureaus.

Everything past rent reporting should be

Backfill up to 24 months

Get credit for rent you already paid, going back up to two full years.

Verify instantly with Plaid

Connect your bank and skip digging through old paperwork — no receipts to hunt down.

Equifax & TransUnion

Reported to two of the major credit bureaus, not just one.

One-time payment

Pay only for the months you choose to report. No subscription, no recurring fee.

Simple, upfront pricing

How it's priced

$1.99

/mo reported

Up to 24 months back. Pay only for what you choose to report — nothing more.

No subscription, ever

You pick the months

One payment, submitted for you

Do the math

1 month

$1.99

6 months

$11.94

12 months

$23.88

24 months

$47.76

$1.99 × number of months you select

Your credit score could grow with more months reported

Estimated credit score increase (points)

Today

+22 pts

3 mo

+42 pts

6 mo

+68 pts

12 mo

+100 pts

24 mo

* Actual impact varies and isn't guaranteed. Reporting can take up to 45 days to appear on your credit file.

Reported to real bureaus. Verified through trusted infrastructure.

Know more about rent reporting

What is Rent Reporting?

Rent reporting is the process of having your monthly rent payments reported to major credit bureaus (Equifax, TransUnion). Just like a mortgage or car payment, your on-time rent payments can count toward building your credit history.

Why is it Important?

Rent is often the largest monthly expense, yet it traditionally doesn't appear on your credit report. By opting in to rent reporting, you can leverage payments you're already making to improve your credit score, making it easier to qualify for mortgages, car loans, and better interest rates.

How Much Can Your Score Go Up?

The impact depends on your existing credit profile and the number of months of on-time rent reported:

Rent History

Score Impact (typical)

Possible Range

Impact

0 months

0 pts

No effect from rent — credit growth depends on other accounts

3 months on-time

+5 to +15 pts

0 to +20

Slightly better credit picture — may help a thin file, small improvement in credit card approvals or limits

6 months on-time

+10 to +30 pts

+5 to +40

Noticeable improvement — easier approvals for basic loans/cards, slightly lower rates, better rent/utility screening

12 months on-time

+20 to +40 pts

+10 to +60

Meaningful jump — can move from fair to good, unlocking standard loan offers and better interest rates (e.g., lower car loan APRs, stronger mortgage eligibility)

24 months reported

+30 to +60 pts

+15 to +80

Big impact — often pushes file into good/very good, better card perks, higher limits, stronger mortgage rates, lower total borrowing costs

Disclaimer: These figures are illustrative estimates only and are not a guarantee. Actual credit score changes vary based on your full credit profile, reporting bureau, scoring model, and individual circumstances.

Past rent reporting, answered

Can I edit or add more months later?

Yes. You can come back anytime and report additional past months, up to the 24-month limit, or add newer months as they pass.

How long until it shows on my credit report?

Reporting can take up to 45 days to appear on your credit file after your submitted months are processed by Equifax or TransUnion.

How far back can I report?

Up to 24 months of past rent payments, as long as you can verify them through Plaid or with statements, receipts, and your lease agreement.

What proof do I need if I don't want to connect my bank?

You can upload bank statements or rent receipts covering the months you'd like to report, along with your lease agreement. Connecting your bank via Plaid is just the faster option — it auto-detects rent payments instead of you having to dig up documents.

Does my landlord need to be involved?

No. Reporting past rent is entirely between you and Neobanc. Your landlord doesn't need to sign up, approve anything, or even know you're doing it.

Don't let your rent history go to waste.

Report up to 24 months of on-time rent and give your credit score the boost it's already earned.

Report My Past Rent

Your Past Rent Can Still Help Your Credit

Past rent reporting, answered

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