“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).
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.