Build Your Credit

Skip the debt games. Pay your rent, 
watch your score climb.
33% of Users
Qualify for better credit cards within 90 days
72% of Users
See their first credit score bump after just
2 rent payments
+28 points
Average credit score increase reported by TenantPay users
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Escape the Matrix

“They” said: Get into debt to build credit so you can qualify… for more debt. Genius. It’s like saying:
Set yourself on fire and prove you know how to use a fire extinguisher — then ask you to light a bigger fire and watch you burn.

What were we thinking?
The Science
Score It. Report It.

We collect 3 days early

Because “on-time” doesn’t impress the bureaus — “verified and processed early” does.

We report to Equifax

Your rent gets submitted automatically. That “paid on time” energy? We make sure it counts.

Your credit score Rises

Consistency = credit glow-up. Track your rise inside the app and flex it wherever you want (even to your landlord).

Added Benefits, On Us
Who doesn’t like free stuff?
Check Your Score Anytime (Yep, Free)
Morning coffee? Midnight doom-scroll? Go ahead, peek at your credit score whenever. It costs $0 and 2 seconds of curiosity.
Grab Your Credit Report (Also Free)
Get the full picture of your credit life without paying a cent. It’s like snooping on yourself… legally.
No Debt, All Flex
Build your credit score without borrowing a single dollar.
Flip the Script
Make Lenders Nervous – Score best rates on credit cards, car loans, and more
Homeowner
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A stronger credit score means a faster track to mortgage approval.
Landlord's Dream
Renters with high scores are seen as reliable, preferred tenants.
Join the Credit Glow-Up
Be the main character
in your rent story
Know The Deal!
How do you help me build credit?

Magic! But not really. It’s all you. When you pay your rent through TenantPay, each on-time payment gets reported to Equifax— helping you build your credit profile over time. Delayed or missed payments can impact your score so consistency is key.

Can I check my credit report for free?

Yep. It’s in the app — your score and report. No fees, no weird “trial periods,” no shady fine print. Just clean info.

Do I have to pay for credit reporting or tracking?

Absolutely not. This isn’t one of those platforms. We report your rent + track your score for free. Because that’s how it should be.

Do I have to sign up for it, or is this automatic?

You’ll need to opt in. Just open the app and switch on Credit Builder — it’s quick, easy, and only takes a few taps.

Download the TenantPay App
Join thousands of tenants earning perks every month.