Rent reporting, done right
The rent you already pay, finally counting toward your credit.
On-time rent, reported to all three bureaus. Free for residents.
Why this exists
Half of America's renters spend a third or more of what they earn on rent. That payment — the largest one most people make — leaves no trace. RateLoft exists so the people carrying the heaviest housing costs in the country stop being invisible to the system that decides what they can borrow, rent, and build next.
Bureaus reported to
Point gain in credit visibility, Urban Institute study
Higher odds of a near-prime score
Cost to residents
Published research, including a randomized Urban Institute study. RateLoft has not begun reporting; our own results will appear here.
How it works
Three steps. Nothing changes for residents.
Step 1
Enroll at the lease
A one-page addendum. Residents can decline anytime.
Step 2
We furnish monthly
Ledger data goes to all three bureaus. On-time payments only.
Step 3
Credit history builds
A new tradeline, usually within one to two cycles.
HUD guidance
Built to HUD's January 2025 FAQ.
- Consent, opt-in or opt-out
- HUD accepts either. We supply a plain-language addendum and a standing way to withdraw.
- Ledger data only
- Section 904 bars reusing income-verification data. Our feed never touches it.
- Positive-only
- Late or missed payments are never furnished.
- Privacy law respected
- The addendum documents the consent, the data, and the bureaus receiving it.
- Counts on FHA loans
- Since 2022, positive rental history feeds FHA's TOTAL Scorecard.
HUD's FAQ is guidance, not a binding rule. RateLoft supplies the model addendum; your counsel approves it.
Why RateLoft
One in four adults is credit invisible. Rent can change that.
Other rent-reporting apps ask residents to sign up and pay attention. RateLoft is enrolled by the property and run by a nonprofit — no login, no subscription, no catch.
Launch rent reporting at your properties in 30 days.
Partner with usNo one should be invisible for paying what they owe.