Percapita

Welcome Percapita Customers!

Percapita now offers rent reporting for our clients. Report your rental payment to the credit bureaus, build your credit profile, and increase your credit score.

Getting started

Start Rocking Your Score

1

Enroll Today

Start reporting your positive rent payments to credit bureau(s) Enrolling is quick & easy. Start today!

2

Verify Rent Payments!

Simply upload your lease and photo ID. We verify your payment history & report ongoing rental payments to immediately improve your credit profile.

3

Establish Trade Line!

Your on-time rent payments are reported to selected credit bureaus each month. Most renters add their rental history for the previous 24 months for the greatest impact to their credit profile.

Changing Lives!

Improved credit and higher scores can open new doors and provide huge financial benefits. Banks, lenders, auto dealers, insurance companies, and many other entities base interest rates and premiums on your credit profile. Did you know over 80% of employers now review credit in the hiring process? Great Credit Matters!

How it Works

Rent reporting program
What is rent reporting?
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Property Management Companies

We strive to make this an easy process and find most property managers are happy to participate in our program. However, if they are unwilling to participate or provide the required information, we’ll give you a full refund.

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Private Landlords

We can even report payments from private landlords. Simply provide your bank details during enrollment so we can verify your monthly rental payments – it’s free and secure!

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Add “Smart Reporting Option” for best results

We strongly recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost to your credit profile!

We report your rent payments to Trans Union and Equifax

Equifax
TransUnion

Start Rocking Your Score Today

Enroll Now

FAQs

No. You will continue to pay your rent to your Property Management Company or Landlord in exactly the same way that you currently do. Nothing changes!

You provide us with basic information on your landlord or property manager when you enroll. We contact them and verify your rent payments to build the credit you deserve from your timely rent payments. There is no fee to your landlord or property manager to verify your rent.

If we are unable to verify your rent with your property manager you won’t pay a penny! You can also upload or send us rent ledgers or canceled checks to show timely rent payments. We try to make this flexible and easy!

Yes, but there is an additional step. After you enroll in the program, you will be asked to link your banking details. It’s free and secure, but this is required step if you pay rent to a private landlord. We will review and verify the rental payments from your banking details before we report them to the credit bureaus. If you pay rent in any other way, like cash, we cannot report your rental payments.

We cannot guarantee a specific score improvement or time frame because everyone’s credit situation is different and unique. Sometimes other credit factors will impact the credit profile, so it’s important to maintain timely payments on other credit trade lines while we are reporting your rent.

No. Experian does not participate currently with Rent Reporting. The good news is that Trans Union & Equifax will report as a Tier-1 Trade lIne

Yes. The credit bureaus require a document between you and your landlord to establish the date the rental payments started, the frequency of payments, and the amount due. We find that most tenant/landlord relationships already have a written agreement. However, if you do not have a copy of this lease, you need to contact your landlord and establish one before we can report your rental payments.

Rent reporting is just like any other trade line on your credit report. It’s based on your unique information, your social security number, date of birth, etc., and therefore we cannot provide a “joint” account. However, we can create
an account for your spouse at a discounted cost.

All credit payments, including rent, are only considered late by the credit reporting agencies (CRA) if the payment is received more than 30 days past the due date. As long as you pay your rent within 30 days of your due date, it will be counted as an on-time payment on your credit report. Remember to pay all your bills, including rent, on time – it’s very important!

No, we are not a credit repair service. We can refer you to a company for assistance. Simply contact us for additional information.