Rent & Bill Reporting

How it works: Boom reports on-time rent payments to all three bureaus. Ongoing reporting is $5/month (billed annually), and up to 24 months of previous rent can be added for a one-time $25 fee. Includes credit score tracking and can continue reporting after moving, subject to provider requirements.

Best for: Renters who want low-cost ongoing rent reporting to all three bureaus

How it works: Enroll online, verify your rent, and Credit Rent Boost reports your on-time payments every Friday. Add Past Reporting to put up to 24 months of earlier rent on your report at the same time.

Best for: Renters who want their rent reported to all three bureaus for the lowest yearly price here, and who have past rent they'd like to count too.

How it works: Rental Kharma reports verified rental-payment history to TransUnion and Equifax. Enrollment includes a one-time setup fee (which covers reporting past rental history at your current rental after verification), followed by ongoing monthly reporting. Rental Kharma verifies rental history and ongoing payments with your landlord, property manager, or another authorized source.

Best for: Renters who prefer not to link a bank account or have more than 24 months of verifiable history at their current address; also offers separately priced utility reporting.

How it works: Grow Credit issues a virtual Mastercard used for supported recurring subscriptions. Repayment history is reported to the three major bureaus.

Best for: People who want to build credit using existing subscription spending