Report Rent Payments
To Help Build Credit

Rent payments do not need to be made through the FrontLobby platform for Rent Reporting to Credit Bureaus to work. We know being a Renter requires flexibility, this means being able to make rent payments in whichever way works best for you and your Housing Provider.

FrontLobby has assisted thousands of renters in reporting their rent payments to Credit Bureaus, creating a credit history , and helping to establish a verified Tenant Record.

With our Rent Reporting tool Tenants have reported credit score jumps of 36pts to 84pts in the first 6 months. Jumps like this can have a meaningful impact on your financial future, and may help you access five major things.

Lower Interest Rates: With lower interest rates on mortgages, car loans, and personal loans, your monthly payments decrease, freeing up more of your budget for savings and expenditures.

Favourable Credit Terms: Increased approval odds for credit enable you to make informed financial decisions for your future, whether you’re pursuing further education, home improvements, or a new vehicle.

Expanded Credit Limits: You could become eligible for higher credit limits automatically, granting you greater financial flexibility during emergencies and making it easier to maintain a reasonable credit utilization rate.

Premium Financial Products: Your chances of qualifying for premium credit cards, such as rewards and cashback cards, as well as other top-tier financial products, can significantly improve.

Rental Applications: Housing Providers frequently request a copy of your credit report as part of the rental application process. A strong credit history can signal are a dependable Tenant.

Bonus: Having a verified Tenant Record can help you skip the line when applying for your next rental.

Ready to sign up? Tenants can get started for free here.

For Renters, good credit builds over time and can require a mixture of credit accounts. With FrontLobby, rent payments are reported as a trade line on a Tenant’s Credit Report, one of the proven ways to help build a strong credit report. Read more about the benefits in Equifax’s Rental Tradeline Study

Housing Providers often find themselves faced with multiple applicants for highly desired properties. In such cases, the deciding factor often comes down to something concrete and quantifiable like credit history. Unfortunately, renting to someone with little or no credit history can pose known and unknown risks and challenges for Housing Providers.

This means many Renters find themselves in a tough spot, especially those who are new to credit or new to the country.

Fortunately, a verified Tenant Record allows Renters to demonstrate a positive track record of paying rent even if they have a poor credit score. When Landlords, Property Managers and Tenants report rent payments to Landlord Credit Bureau, Tenants can build a positive Tenant Record, allowing future Housing Providers to evaluate prospective Tenants on more than just credit scores.

With FrontLobby rent payments can be shared with Equifax  and Landlord Credit Bureau  to be reflected on a Tenant’s Credit Report and Tenant Record.

Survey’s show that over 50% of Renters want to improve their credit. FrontLobby is a great way for Tenants to report their rent payments to Credit Bureaus, like Equifax and Landlord Credit Bureau.

You may have received an invite from your Landlord or Property Manager. If this is the case, please use the link in the email invitation to sign up. It is free and only takes a few minutes. Once your account is complete you can log in to view and verify your Tenant Record.

If you find any inaccuracies on your Landlord’s internal records or other information submitted to the Credit Bureaus through FrontLobby, please complete our dispute form and submit it to support@staging.dev.frontlobby.com.

The dispute form with instructions can be found here.

Alternatively, if you have concerns regarding details on your Credit Report that are not related to rental data or believe you have been the victim of Identity Theft or Fraud, please reach out to the appropriate Credit Bureau directly.

For individuals in the US, you can read more about your rights under the FCRA here.

Additional details from the Consumer Finance Protection Bureau can be found here.

FrontLobby aims to facilitate proactive and positive conversations between Housing Providers and Renters. When applicable, we encourage all parties to work towards a mutually agreeable payment plan. 

If a payment plan is in place and a Tenant is paying according to the plan, no debts may be reported to the Credit Bureaus. Payments according to the payment plan should be recorded as being paid on time and the Tenant may use them to build their credit. However, if a Tenant stops paying according to the payment plan, the total outstanding debt may be recorded. 

If a Tenant believes a debt is being reported when there is a payment plan in place, please follow our dispute process outlined here.

Every time we receive a great question, we add it to our Help Center. Using this great resource, you’ll find the answer to almost every question.