Improve Your Credit When You Pay Your Rent

The average rent reporting increase is about 40 points but can be more than 100 points. However, we are unable to predict a specific score due to the proprietary nature of the scoring algorithm used by the credit bureaus.

You can expect to see your new score as soon as 5 days or as long as 30 days of the start of your Credit Builder subscription and each subsequent on-time rent payment. While Union submits your rental payment history immediately, it may take the credit bureaus longer to update your credit report. We recommend waiting up to 30 days to see your credit report updated.

It takes only three simple steps to report your rent payment history to the credit bureaus:

1. We confirm with your landlord when rent payments are made on-time.
2. We report your on-time rent payment to the credit bureaus.
3. Addition of on-time rent payment entry to your credit report: Your new rent payment entry (tradeline) will be included in your credit report within 5-7 days. Each month, as you continue to pay your rent on time, additional positive history will be added to your on-time rent payment history.

Union can report up to 24 months of previous rent payments.

We exclusively report only your positive payment history. Even if you have missed a few rent payments or have been late in paying rent, you can still utilize Credit Builder. There is no credit check or hard inquiry involved. Our service focuses solely on reporting positive payments.

We report to all three credit bureaus so that you get the maximum credit impact - Equifax, Experian, TransUnion.