For Residents
You've paid rent on time for years. Let's make it count.
We report your on-time rent to all three credit bureaus. Free, always.
You've never had a credit card.
You've never had a car loan.
You've never had anyone count the one bill you've never missed.
That is who RateLoft was built for.
U.S. households now spend more than 30% of their income on housing — a record high. For most of them, that payment is invisible.
"If you're carrying the biggest bill in your life, on time, every month, the system should be able to see you."
Harvard Joint Center for Housing Studies, State of the Nation's Housing 2025 (2023 data).
How it works
Your property enrolls.
You don't sign up. You don't pay anything.
We report your on-time rent.
Every month, to Equifax, Experian and TransUnion.
Your credit starts to show it.
Usually within one to two billing cycles.
It can help your credit. It cannot hurt it.
- —On-time payments only. Late or missed months are never sent.
- —Your rent ledger only. Never income, household or benefit details.
- —Opt out anytime, for any reason. Your lease is unaffected.
What might change
Percentage points more likely to be credit-visible.
Higher odds of reaching a near-prime score.
From a randomized Urban Institute study of renters in subsidized housing. Results vary — rent reporting is one input into a score, not a guarantee. Since 2022, FHA also lets verified on-time rent count toward a mortgage.
Questions
Not enrolled yet? Ask your property manager.
Email your property managerAre you a property manager? See our page for owners.