Frequently Asked Questions

WeReportYourRent helps renters build credit history by reporting on-time rent payments to the credit bureaus. After you sign up and verify your identity, we work with our credit-reporting partner to add your rent payment history to your credit profile — so the largest payment you make every month finally counts toward your credit.

We report rent payments to all three bureaus — Experian, TransUnion and Equifax — through our credit-reporting partner.

We do not provide FICO scores. The credit scores you see in your dashboard come from our credit-data partner and are shown in the Credit Report tab alongside your report. Different scoring models look at the same underlying credit data with slightly different formulas. Lenders may use FICO, VantageScore or another model, and improving the data behind one usually improves the others.

Essentials ($8.95/month) gives you rent reporting to all three bureaus (Experian, TransUnion and Equifax), plus your credit score from one bureau. It does not include a credit report, credit alerts or identity theft protection.

Basic ($19.99/month) gives you rent reporting to all three bureaus (Experian, TransUnion and Equifax), plus your credit score and credit report from one bureau, with credit alerts where available.

Premium ($39.99/month) gives you the same rent reporting, plus scores and reports from all three bureaus (Experian, TransUnion, Equifax), credit monitoring across all three with alerts where available, and identity theft protection: dark web and change-of-address monitoring with identity restoration support (provided by a third party; policy terms apply).

Every plan includes the same rent reporting, up to 24 months of past rent reported (subject to verification) and the AI credit assistant. See full comparison →

Once you complete rent enrollment and we receive your first payment confirmation, your rent typically appears on your Experian, TransUnion and Equifax credit profiles within 1–45 days. Why the range? Bureaus refresh on their own schedule — some members with a thin credit file see their score move within days of the first report we send, while others wait through the full 30–45 day bureau update cycle. On every plan, if you opt in to our 24-month rent history lookback, eligible past on-time payments can also be added to accelerate the impact on your score. Individual results vary based on your existing credit history.

Yes, on every plan. We offer up to 24 months of rent history lookback — if you have eligible past on-time rent payments, we can include them so the impact on your credit score starts immediately rather than waiting months to accumulate. Eligibility depends on documentation (lease history, payment records) and is verified during enrollment.

A rental tradeline is a line-item on your credit report that reflects your rent payment history. Rent payments are not automatically included on your credit report — a credentialed third party has to report them. WeReportYourRent works with a credentialed credit-reporting partner — a rental payment data furnisher to the major credit bureaus — so every on-time rent payment becomes a positive tradeline on your Experian, TransUnion and Equifax credit reports.

No — we only report on-time rent payments, never missed or late ones. You can still use WeReportYourRent if you've missed a couple of rent payments or have been late in the past; those payments simply stay private. Enrollment itself does not involve a credit check or hard inquiry, so signing up has no negative impact on your score. The only signal we send to the bureaus is positive payment behavior.

In the best case, rent payments can appear on your credit report in as few as 10 days from enrollment. That happens when (a) the bureau is in the middle of its refresh cycle when our data arrives, and (b) your credit file already has other tradelines to anchor the new one. More typically you'll see the new tradeline within 30–45 days. We can't guarantee a specific day because every bureau runs on its own update schedule. On every plan, if you opt in to our 24-month rent history lookback, the impact often shows up faster because there's more positive data to anchor.

Yes — all renters on the lease are eligible, as long as there's a formal lease agreement and each roommate is named on it. Each roommate enrolls with their own account and verifies their own rent payments. Even if one of you pays the landlord directly and the others reimburse via Venmo, Zelle, or Cash App, every roommate can independently build their own credit history through WeReportYourRent.

Yes. We're built with FCRA compliance from day one — we only report positive, on-time rent payments (never missed or late ones), we use parameterized database queries and HTTPS/HSTS everywhere, payments are processed by Stripe (PCI DSS Level 1), and identity verification runs through our verification partner's bank-grade infrastructure. We don't sell your personal information. For full details, see our Privacy Policy and Compliance pages.

You can cancel anytime from your dashboard or by contacting support — no cancellation fee, no minimum term, no penalty. Cancellation takes effect at the end of your current billing period; your subscription and rent reporting remain active until then. Monthly fees are non-refundable for the period in which you cancel because your bureau reporting service is already paid in full for that period. Past rent payments we've already reported remain on your credit history (we don't remove positive payment data when you cancel).

Every subscriber and every individual landlord who joins gets a unique referral link. You earn $10 for each person who signs up through your link and becomes a paying subscriber. Individual landlords get an additional benefit: a free Basic-tier membership while they have at least one active tenant-referred subscriber. There's no limit on how many people you can refer. Learn more about Earn $10 →

The fastest way is to email us at support@wereportyourrent.com, or use the contact form on our Contact page. We typically respond within one business day. For billing questions, please include the last 4 digits of the card on file.