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How does rent reporting help my credit?

Most people don’t get credit for the rent they pay because landlords don’t often report their payments to the credit bureaus. With rent reporting through Self, you get credit at the 3 major bureaus — Experian, Equifax, and TransUnion.   


We’ll report your rent as a new tradeline on your credit reports, and we only report on-time rent payments to your credit. This means you get to build credit without adding debt. This may be especially helpful if you have no credit, little credit history, or a low credit score. 


That said, collections, delinquencies, or other negative marks on your credit profile may impact how much rent reporting can help, too. We do not determine how the credit industry calculates scores, and depending on the scoring model you are checking, scores will vary.