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Improved Credit And Positive Tenant Records

Decrease the Time It Takes to Unlock Credit Related Rewards

  • Add Rent Payments to Your Credit Report
  • Create or Verify Your Lease
  • Build a Positive Tenant Record
  • Monitor Your Records
  • Skip the Line – Get the Place You Want
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How FrontLobby Works for Tenants

Add Rent To Your Credit Report And Tenant Record

Positive Tenant History

Receive an extra benefit for paying rent on-time with a verified Tenant Record.

Improved Credit

Continue to pay rent on-time to improve your Credit Report and help repair poor credit history.

Preferred Tenant Status

Monitor your verified Tenant Record and use it to get the next place you want.

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Easy To Get Started, Set Up Your Lease And Invite Your Landlord

“I didn’t know you could add rent to your credit report until my landlord emailed me. It’s been a few months and I saw my credit score go up so I am happy.”

Jerrad, Tenant

Helping Tenants

Unlock The Benefits Of Good Credit And Positive Tenant Records

Build Good Credit Faster

Credit Inclusion

Tenants who pay their rent on time every month should receive credit for it, but most do not. Historically, rent has not been included on Credit Reports, FrontLobby aims to change this by elevating rent payments to the same level as consumer loans and credit card payments. Rent Reporting adds a new tradeline to your credit file while demonstrating a positive payment history over time, both are factors that help to boost your credit score. As a result, every rent payment made brings you closer to your credit goals.

Get Credit for Paying Rent

Credit Equality

Traditionally, building credit through monthly payments has been reserved only for those with mortgages. FrontLobby wants to correct this inequality because it is unfair that millions of Tenants who make similar payments each month receive zero credit building benefits. Rent Reporting means a Tenant’s rent payment is shared with the Credit Bureaus and will be included in their Credit Report. If your rent payments are part of your Credit Report, lenders may view it in the same way as they would a mortgage payment, giving you access to the credit you deserve.

Unlock Good Credit Rewards

Financial Wellness

Poor credit, thin credit or no credit can be very expensive as most lenders do not want to take the risk and will charge higher interest rates as a result. One of the best things you can do to improve your financial health is to improve your Credit Report, which will decrease your interest expenses. FrontLobby’s Rent Reporting capabilities are liberating, decreasing the time it takes for Tenants to build credit. Tenants can take additional control of their financial wellness and improve access to credit rewards including better bank loans, credit cards and mortgage rates.

FrontLobby Reviews

Loved By Tenants, Landlords and Property Managers

Jarrad, Tenant
Jarrad, Tenant
Email Testimonial
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Getting setup on the program was very easy, and when we reviewed my credit report after the first month of setting it up my credit score had increased 37 points. I was shocked it would have such a positive impact on my credit score in such a short amount of time.
Steve, Landlord
Steve, Landlord
Email Testimonial
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My existing tenants are excited to hear that their biggest expense each month (rent) will now be reflected in their credit report. Likewise, they are aware of the consequences if they don't pay future rent on time.
Darren, Tenant
Darren, Tenant
Email Testimonial
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I just checked my credit score, and it has increased by over 40 points. Didn’t you just sign me up a month ago? THANK YOU!
Allison, Property Manager
Allison, Property Manager
Collected from Facebook
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A few months ago we had a landlord hire us as their PM company. Their tenants were continually late with rent and advised her they could not pay until the 18th. After signing them up for LCB rent came early last month and this month ... worked for us!
Tara, Tenant
Tara, Tenant
Submitted to LCB
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Learning I could improve my credit by paying my rent just made sense. I am so happy I read about LCB and now I am one step closer to buying my own home.
Gord, Landlord
Gord, Landlord
Email Testimonial
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We had over $140k of bad debt, that we pretty well had given up on. Within a couple of months we collected on debts that will pay our LCB for the next 5 years. I'm looking towards the day all landlords are using LCB.
Patrick, Tenant
Patrick, Tenant
Submitted to LCB
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My landlord signed me up which I am happy about. I never knew it even existed which I’m happy it does since my credit was average. Knowing it would help me grow it would be amazing. I’ve seen an increase since they have been reporting. I’m extremely comfortable with how they went and asked me about it.
Kamal, Landlord
Kamal, Landlord
Email Testimonial
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I have 2 tenants who are new to the country and no credit. This is a perfect program to help them get established and build credit…. I'm a new landlord and I feel this elevates my status by doing something nice for my tenants.
Candice, Tenant
Candice, Tenant
Collected from Facebook
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I'm asking my landlord to sign up for this currently (LCB)!! I've been paying on time and in full for 3 years, I'd love it to go towards my credit score.
Mike, Landlord
Mike, Landlord
Email Testimonial
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I just bought a property and have had some communication issues with the tenants. Within an hour of the automated email going out one of the tenants finally replied to my previous emails.
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Common Questions

If You Still Have Questions, Visit Our Help Center Anytime

FrontLobby rewards responsible Tenants.

Tenants use FrontLobby to get the credit and rental property they deserve. A membership with FrontLobby grants Tenants the ability to get credit for paying rent on-time, improved credit report, build a positive Tenant Record, and even skip the line when choosing their next home.

With FrontLobby Tenants can see an increase on their Credit Report of 40+ points.

We want to help responsible tenants unlock and access future credit-related rewards” Zac Killam, CEO FrontLobby.

With FrontLobby rent payments can be shared with Equifax and Landlord Credit Bureau and will be reflected on a Tenant’s Credit Report and Tenant Record. Landlords incentivize on-time rent payments and Tenants build credit.

As people build credit, they can gain better access to mortgages and qualify for lower fees and interest rates on credit cards and other lines of credit. These advantages allow for new opportunities and make it easier to accumulate wealth.

Building good credit takes time, consistency, and a combination of credit accounts with solid financial habits.

Historically, Tenants have not received credit for their largest monthly payment of all, which is their rental payments.

When rent payments are reported as a trade line on a Tenant’s Credit Report, they can build good credit and unlock credit related rewards faster.

Landlords often find themselves faced with multiple applicants for highly desired properties. In such cases, the deciding factor often comes down to something concrete and quantifiable, such as applicants’ credit histories. Unfortunately, renting to someone with little or no credit history can pose known and unknown risks and challenges for landlords.

This means many renters find themselves in a tough spot-especially those who are new to credit or new to the country.

Fortunately, a LCB Tenant Record allows renters to demonstrate a positive track record of paying rent even if they have a poor credit score. When landlords and tenants report rent payments to Landlord Credit Bureau Tenants can build a positive Tenant Record, allowing future landlords to evaluate prospective Tenants on more than just credit scores.

If you find any inaccuracies on your Landlord’s internal records or other information submitted to the Credit Bureaus through FrontLobby, please complete our dispute form and submit it to support@frontlobby.com

The dispute form with instructions can be found here.

Alternatively, if you have concerns regarding details on your Credit Report that are not related to rental data or believe you have been the victim of Identity Theft or Fraud, please reach out to the appropriate Credit Bureau directly.

For individuals in the US, you can read more about your rights under the FCRA here.

Additional details from the Consumer Finance Protection Bureau can be found here.

FrontLobby aims to facilitate proactive and positive conversations between Landlords, Property Managers and Tenants. When applicable, we encourage all parties to work towards a mutually agreeable payment plan.

If a payment plan is in place and a Tenant is paying according to the plan, no debts may be reported to the Credit Bureaus. Payments according to the payment plan should be recorded as being paid on time and the Tenant can use them to build their credit. However, if a Tenant stops paying according to the payment plan, the total outstanding debt may be recorded.

If a Tenant believes a debt is being reported when there is a payment plan in place, please follow our dispute process outline here. When submitting please attach a copy of the payment plan signed by both parties and proof of payment.

Ready to Make Renting Easier?

Free to Get Started, Easy To Use, Managed In Minutes Per Month

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