Everything we do, on one page.
All 13 features, grouped by category. Every line is sourced from our actual bureau-partner contract — no marketing fluff, no things we cannot deliver.
How we stack up.
Side by side against the rent-reporting services we hear about most often, plus the two largest free-credit-score competitors. Based on publicly available information as of 2026-05-21; providers change their offers — check each provider for current terms.
| Feature |
★ Most complete WeReportYourRent (Basic) $19.99/mo · No setup fee |
Self (premium) $6.95/mo · $49.95 for past rent |
RentReporters $10.95/mo · $94.95 setup |
freescore360.com Free trial → ~$39.95/mo · No setup fee |
clickfreescore.com Free trial → $9.95–$39.95/mo · No setup fee |
|---|---|---|---|---|---|
|
Rent reported to credit bureaus
WRYR furnishes to Experian, TransUnion, and Equifax (3 bureaus) through our credit-reporting partner; Self + RentReporters furnish to all 3. freescore360 + clickfreescore are credit-monitoring services and do not report rent.
|
Experian, TransUnion, and Equifax | All 3 (paid) | All 3 | No | No |
|
24-month past-rent backlog (Premium, no extra fee)
Self charges $49.95 one-time; RentReporters charges $94.95 setup (which bundles it in). freescore360/clickfreescore do not report rent at all.
|
Yes | No | No | No | No |
|
Credit score visibility (1 bureau)
Self requires the $6.95 premium tier for credit-score monitoring. freescore360 + clickfreescore start with a free score and upsell into paid credit monitoring.
|
Yes | Paid tier | Yes | Yes | Yes |
|
3-bureau credit monitoring
WRYR offers 3-bureau monitoring on the premium tier. freescore360 + clickfreescore bundle 3-bureau monitoring in their paid subscription tier (their core product).
|
Premium | No | No | Yes | Yes |
| Credit-change alerts | Yes | Paid tier | Paid tier | Yes | Yes |
|
Identity theft protection
WRYR includes identity theft protection (dark web + change-of-address monitoring, full-service restoration) on the Premium tier. Self only on premium tier; RentReporters does not offer it. freescore360/clickfreescore typically bundle identity-theft insurance on the higher subscription tier.
|
Premium | Paid tier | No | Paid tier | Paid tier |
|
AI Credit Assistant
RentReporters offers a human credit specialist; we offer a 24/7 AI assistant for educational credit questions. Free-score competitors do not offer AI guidance.
|
Yes | No | Paid tier | No | No |
|
7-day $1 trial
Free-score sites use trial-then-subscription pricing; they are technically free at first then convert to ~$25/mo.
|
Yes | No | No | Paid tier | Paid tier |
Competitor data sourced from public pricing pages as of 2026-05-21. If you spot a stale number, email us and we will fix it.
Head-to-head vs. MyFico Premier.
Same $40/month price point. Different positioning — they show you FICO scores; we report your rent to the bureaus and add 3-bureau credit monitoring and identity theft protection.
WeReportYourRent Premium
$39.99/moRent reported to Experian, TransUnion, and Equifax every month
24-month past-rent lookback on Premium (no extra fee)
AI Credit Assistant (24/7; explains FCRA basics + bureau quirks, educational)
Identity theft protection + identity restoration support (policy terms apply)
3-bureau credit scores, reports + change alerts
Credit dispute support (FCRA 30-day clock)
Score simulator
FICO 8 score
FICO 2/4/5 mortgage scores
MyFico Premier
$39.95/moNo rent reporting
No rent lookback
No AI credit assistant
Score Simulator — FICO 8
Identity theft protection + restoration support (policy terms apply)
3-bureau credit monitoring + daily alerts
Credit dispute support (manual filing)
FICO 8 score (28 industry FICO variants)
FICO 2/4/5 mortgage scores
About scoring models: we do not provide FICO scores. Different scoring models look at the same underlying credit data with slightly different formulas; improving the data behind one usually improves the other. See our FAQ for the full explanation. Mortgage scores (FICO 2/4/5) are not in our roadmap today — if you're applying for a mortgage in the next 90 days, MyFico Premier remains the right tool alongside our rent reporting.
The complete catalogue.
Rent Reporting
Monthly rent furnishing to Experian, TransUnion, and Equifax
Every verified on-time rent payment is reported as a tradeline on your credit file at Experian, TransUnion, and Equifax on the same monthly cycle lenders already trust. This is the core product.
24-month past-rent history lookback (Premium)
On Premium, in addition to going-forward reporting, we work with your landlord to verify and report up to 24 months of past on-time rent in your first submission — some members may see their first score change within 30 days instead of waiting half a year for a new tradeline to age.
Credit Visibility
Credit score + full credit report
See your credit score and full credit report in your dashboard. Basic shows one bureau; Premium shows all three.
Credit change alerts
Get notified when something changes on your credit report — new inquiries, account updates, or balance changes. Basic monitors 1 bureau; Premium monitors all 3. Alert types and timing depend on the bureau.
3-bureau credit monitoring
PremiumSee your score and report across Experian, Equifax, AND TransUnion in one dashboard, with alerts when any bureau reports a change. Most lenders pull from different bureaus — 3-bureau visibility means every credit check reflects your real profile.
Credit dispute support
PremiumIf something on your credit report looks wrong, you have the FCRA right to dispute it for free, directly with the bureau that reports it. We help you spot the discrepancy and give you each bureau’s dispute link plus the FCRA 30-day timeline to file it yourself — you file the dispute; we provide the tooling and guidance.
Identity Protection
Identity theft protection + full-service restoration
PremiumDark web monitoring and change-of-address monitoring with alerts, plus identity restoration support if your identity is ever misused (policy terms apply).
Tools
AI Credit Assistant
Ask how credit works in plain English — what a bureau entry means, how rent reporting affects a credit file, where to find things in your dashboard. Explains FCRA basics, common bureau quirks, and our credit-building playbook — educational only, not legal or financial advice. Available 24/7.
Customer Success
Landlord referral program
Invite your landlord — they get a free landlord dashboard with tenant payment tracking. Every person who becomes a paying member through your referral link earns you $10 once they complete one full billing cycle.
Earn $10 per referral
Refer friends or family. Every person who becomes a paying member through your link earns you $10 once they complete one full billing cycle. No cap on referrals, no monthly limit.
20% off annual billing
PremiumSwitch to annual and pay $31.99/month — saving $96/year. Annual subscribers get a dedicated onboarding strategy call.
Trial & Guarantee
7-day $1 trial
Try every feature for $1 for the first 7 days. Cancel anytime during the trial and your card is never charged the full price.
Cancel anytime
No annual commitment. Cancel from your dashboard in a few clicks. Cancellation takes effect at the end of your current billing period — full access continues until then. No retention-team friction.
Ready to start building credit?
Pick the plan that fits, start your $1 trial, and your first rent report fires next cycle.