Rent reporting · Homeownership prep

The rent you pay should count.

Bettercredit reports the rent you already pay on time to the credit bureaus — then walks with you, step by step, from first report toward your first home.

From $9.99/mo · Cancel anytime · Enrolling never requires a hard credit pull

We report toEquifax®Experian®TransUnion®Metro 2® standard, like the banks use
1,900+
mortgage closings guided by our founder
$0
setup fees, contracts, or hard credit pulls to enroll
24 mo
of past rent you can add on Premium
3
bureaus on Premium · 1 on Basic
How it works

Three steps. No new debt. No new bills.

You’re already doing the hard part — paying rent on time. We handle the paperwork that makes it visible.

01

Link your rent

Connect the account you pay rent from, or share your lease details. Enrolling takes minutes, and it never requires a hard credit pull.

02

We report it, every month

Your verified on-time payments go to Experian on Basic — or all three bureaus on Premium — in the same Metro 2® format banks use.

03

Build toward the keys

Watch your rent history grow in your dashboard, and follow a homeownership plan shaped by real loan-officer experience — at your pace.

Made for renters

Sound like you?

First-time buyers

Dreaming in down payments

You’re a few years out from buying. Start the record now, learn what lenders look for, and arrive prepared — not surprised.

Building credit from rent

Your biggest bill, finally on file

Rent is likely the largest payment you make every month. Reporting it can add that track record to your credit file — no new loan required.

No credit history yet

New to credit, not to paying on time

Thin file, fresh start, or new to the country — your rent can be the first tradeline that tells your story accurately.

Everything included

One membership, four tools for the journey

Rent Reporting

The core of Bettercredit. On-time rent, verified and reported monthly — 1 bureau on Basic, all 3 on Premium.

Basic & Premium

Credit Building Dashboard

See every reported payment, your streak, and what’s coming next — one honest picture, no gimmicks.

Basic & Premium

Free Credit Education Ebooks

Plain-English guides to credit, budgeting, and mortgages. Free for everyone — member or not.

Free for all

Path-to-Homeownership Toolkit

Pre-approval checklists, budget worksheets, and insights from real loan officers — including our founder.

Premium
Nathaniel Calder, founder of Bettercredit
Nathaniel Calder
Founder · loan officer for 11 years
Our story

Built by the person on the other side of the desk

“For eleven years I sat across from renters who’d paid on time, every month, for years — and watched their files come back thin because rent never counted. Bettercredit is the company I always wished I could refer them to.”

That’s why every plan comes with more than reporting: honest education, real numbers, and the same guidance Nathaniel gave his mortgage clients — starting years before you ever apply.

1,900+
closings guided as a loan officer
100%
of members get his credit-education curriculum
Plans

Simple pricing, no surprises

No contracts, no setup fees, no hard credit pull to enroll. Cancel anytime and your reported history stays yours.

Basic
Start the record
$9.99/month
Monthly rent reporting to 1 bureau (Experian)
Credit Building Dashboard
Free credit-education library
Email support
Start with Basic
Most popular
Premium
The full journey
$19.95/month
Monthly rent reporting to all 3 bureaus — Equifax, Experian & TransUnion
Up to 24 months of past rent added — one-time $99 charge
Path-to-Homeownership Toolkit with loan-officer insights
Everything in Basic, plus priority support
Sign up for Premium

Reporting begins after your first verified payment cycle. Bettercredit reports payment history as furnished data; we don’t promise any particular credit outcome — how bureaus and scoring models use rent data varies.

Learn the whole game — free, no plan required

Our credit-education library covers credit files, budgeting, and the road to a mortgage — written in plain English by people who’ve sat on the lender’s side of the desk.

No spam, unsubscribe anytime.

Your data, guarded like it’s ours

Because trust is the whole product.
256-bit encryption

Bank-grade encryption in transit and at rest. Read-only account connections.

Bank logins never shared

Bank connections run through Plaid — your login credentials are never shared with us.

Never sold

We don’t sell your personal information — and we share it only as our privacy policy describes.

Delete anytime

Cancel anytime and request deletion of your account data.

Your rent already proves you.
Let’s put it on the record.

Join the renters building their history — and their path home — one on-time payment at a time.

From $9.99/mo · Cancel anytime · No hard credit pull to enroll