Report Rent Payments
To Help Build Credit

  • Add Rent Payments to Your Credit Report
  • Build a Positive Tenant Record with Housing Providers
  • Create or Verify your Lease Record
  • Monitor Your Records
  • Unlock Credit Related Rewards

Earn the Credit You Deserve and Enjoy the Rental of Your Dreams

Add Rent To Your Credit Report And Tenant Record

Sign up for free, create your Lease Record, invite your Housing Provider.


Continue to pay rent on time 
to build Credit and Tenant Record.


Access more credit products and secure the rental housing your want.


Add Rent To Your Credit Report And Tenant Record

Sign up for free, create a Lease Record, invite your Housing Provider. 

Continue to pay rent on time 
to build Credit and Tenant Record.

Access more credit products and secure the rental housing you want.

Proudly Featured In

Build Credit For Paying 
Rent Each Month

Start reporting your rent payments. Good credit can help you obtain lower rates which can save you money in the future.

Build Credit With Your Rent

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. We want 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. 

If your rent payments are part of your Credit Report, lenders may view it in the same way they view a mortgage payment, giving you access to the credit you deserve. 

Create A Positive Tenant Record

Being a good tenant – meaning, paying rent on time and taking care of the property – doesn’t usually come with incentives. But some Housing Providers offer rewards, like Rent Reporting and verified Tenant Records. By utilizing these services, Renters can build their credit and qualify for higher-level rentals of their choosing.

A positive Tenant Record will show your future Housing Provider that you’re reliable and capable of fulfilling the terms of a lease, allowing you to stand out above the other applicants. This is especially important if you have little or no credit history—for example if you are a young student or newcomer.

Monitor Your Records

Accurate records are an essential part of your financial health and your ability to secure the rental you want in the future. It’s important to keep track of your on-time rent payments and to always communicate with your Housing Provider about any discrepancies or problems that arise. This will ensure that you are seen as a reliable Tenant and safeguard your credit. Our free and user-friendly tracking system is the perfect way for you to keep track of your rent payments every month.

Unlock Rewards

Poor Credit, thin credit or no credit can be very expensive, most lenders do not want to take the risk and will charge high interest rates as a result.

By taking the steps to improve your credit, you can save money and put yourself in a better financial position. In fact, an improved credit score may lower how much interest you pay for credit cards, loans and other financing. It can also open doors to new opportunities, such as securing a lease or being approved for a loan.

Valued by Housing Providers, Loved by Renters

Testimonial Stars
Suzanne R<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">March 20th, 2024</span>
Suzanne R
March 20th, 2024
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Front Lobby helped two of my tenants purchase a home because of the increased credit scores. Great Company.
Candice R <br> <span style="font-size: 18px; line-height:15px; font-weight:300;">April 20th, 2022 </span>
Candice R
April 20th, 2022
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I'm asking my landlord to sign up for this currently!! I've been paying on time and in full for 3 years, I'd love it to go towards my credit score.
Susan H<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">February 1st, 2023</span>
Susan H
February 1st, 2023
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It's a good concept. Good tenants get a boosted credit score and the bad ones get a bad score. Totally fair. Best part of all is it gives other landlords a head's up.
Bruce A<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">September 22nd, 2022 </span>
Bruce A
September 22nd, 2022
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Your services are admirable. FrontLobby provides a great service to any that might be lacking a credit record, and I would not hesitate to refer anyone to FrontLobby.
Erena B<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">March 7th, 2023</span>
Erena B
March 7th, 2023
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Your agency is doing a great job creating and maintaining and growing such a system, it is really innovative and needed.
Jason R <br> <span style="font-size: 18px; line-height:15px; font-weight:300;">May 23rd, 2021 </span>
Jason R
May 23rd, 2021
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This will allow our great customers to build their credit score faster by paying rent in a timely manner during their tenancy. #propertymanagement #mb #realestate #bdnmb #multifamily
Kim C <br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 2nd, 2020 </span>
Kim C
June 2nd, 2020
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East Vista Management has recently implemented the services of FrontLobby to help tenants build their Tenant Record and the feedback has been incredible! #tenantrelations #creditrating
Sarah V<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">November 19th, 2021 </span>
Sarah V
November 19th, 2021
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This is the best way to reward great tenants who pay their rent on time. This system is easy to use and is very effective at deterring non paying tenants.
Dainard Homes<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">May 11th, 2021 </span>
Dainard Homes
May 11th, 2021
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It has worked wonderfully for us, and our current tenants are excited to have their credit scores improving …. Former tenants paid their overdue amounts expeditiously ….
Tao Z<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">August 20th, 2022 </span>
Tao Z
August 20th, 2022
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I was delighted that you guys have brought such a positive change to this industry to allow landlords and tenants to work together to build their great credit and future, while landlords feel much more secure.
Cory J<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 6th, 2022 </span>
Cory J
June 6th, 2022
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I've purchased a home and no longer rent.
Emilie D<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">April 28th, 2023</span>
Emilie D
April 28th, 2023
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I used Front Lobby to register my tenant lease. Those who paid on time have really appreciate the positive impact of their credit. One tenant who owed me over $30k recently paid their debt as they were well aware that their credit was being negatively affected.
Jeffery L<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">November 20th, 2021 </span>
Jeffery L
November 20th, 2021
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It totally works. A previous tenant paid the owing rent even though they have moved our as it is reported on their credit bureau.
Hayley L<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">January 31st, 2023</span>
Hayley L
January 31st, 2023
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Encourages tenants to pay on time since they're getting a reminder from a legitimate source besides myself.
Wyatt B<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">March 2nd, 2020 </span>
Wyatt B
March 2nd, 2020
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I am using this service and my tenants are all fans of having their rent reported to help build their credit. I haven't had any delinquent payments, but it certainly is an incentive for tenants to pay their rent.
Alex C<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">May 25th, 2021 </span>
Alex C
May 25th, 2021
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Thanks, it's already starting to work. The tenant reached out after disappearing for months.
Megan M<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 4th, 2023</span>
Megan M
June 4th, 2023
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FrontLobby helps you track payments, credit as well as debts. It is set up automatically and is efficient.
Yoan<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 2nd, 2021 </span>
June 2nd, 2021
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I have subscribed to your service. I have seen an increase in my credit report the first months.
Lenka C<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">May 15th, 2023</span>
Lenka C
May 15th, 2023
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We love the easy of use and the rent reporting is a great tool!
Sean M<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">March 6th, 2021 </span>
Sean M
March 6th, 2021
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I use it and love it. Since I added it to my tenants lease, they haven't been late once. Prior to this, they were late every month by roughly a week. God send!
Jagdeep G<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">December 7th, 2022</span>
Jagdeep G
December 7th, 2022
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I’m glad I signed up for FrontLobby as it made conducting background checks simple and automatic monthly rent reminders minimize rent payment issues.
Marina V<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 8th, 2023</span>
Marina V
June 8th, 2023
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Friendly system to use and helpful for screening potential tenants.
Nikhil A<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">October 29th, 2022</span>
Nikhil A
October 29th, 2022
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I have built up a decent credit file by now that has enabled me to access all the credit I need. Thank you for your co-operation!
Rentals by Jeff<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">March 20th, 2024</span>
Rentals by Jeff
March 20th, 2024
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Yes, FrontLobby is great for that. It's inexpensive, simple, and quick. Once set up it's automatically reported.
Bonnie W<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">January 31st, 2022</span>
Bonnie W
January 31st, 2022
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Intuitive platform for reporting lease payments (late as well as on time) plus easy to use tenant screening. This one package replaces two other subscriptions.
Cheng-chung Y<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 19th, 2023</span>
Cheng-chung Y
June 19th, 2023
Read More
Good tool for tenancy screening and rental management.
Douglas M<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">September 9th, 2022</span>
Douglas M
September 9th, 2022
Read More
One stop shop for screening and maintaining tenant financial responsibility.
Jeremiah S<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">December 21st, 2022</span>
Jeremiah S
December 21st, 2022
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Just begun looking into FRONTLOBBY. Have done my research on many other competitors. This company looks to be the best that I have found.
Kim L<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">March 20th, 2024</span>
Kim L
March 20th, 2024
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This is exciting-been using FrontLobby for the second year now! Highly recommended, tenants have been great and really appreciated this option when they didn't have great credit. Glad to be able to help them have peace of mind.
Andrew O<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 10th, 2024</span>
Andrew O
June 10th, 2024
Read More
This is a powerful! Good for both parties.

+ We are committed to earning 6 out of 5 stars from our members.

Common Questions

Rent payments do not need to be made through the FrontLobby platform for Rent Reporting to Credit Bureaus to work. We know being a Renter requires flexibility, this means being able to make rent payments in whichever way works best for you and your Housing Provider.

FrontLobby has assisted thousands of renters in reporting their rent payments to Credit Bureaus, creating a credit history , and helping to establish a verified Tenant Record.

With our Rent Reporting tool Tenants have reported credit score jumps of 36pts to 84pts in the first 6 months. Jumps like this can have a meaningful impact on your financial future, and may help you access five major things.

Lower Interest Rates: With lower interest rates on mortgages, car loans, and personal loans, your monthly payments decrease, freeing up more of your budget for savings and expenditures.

Favorable Credit Terms: Increased approval odds for credit enable you to make informed financial decisions for your future, whether you’re pursuing further education, home improvements, or a new vehicle.

Expanded Credit Limits: You could become eligible for higher credit limits automatically, granting you greater financial flexibility during emergencies and making it easier to maintain a reasonable credit utilization rate.

Premium Financial Products: Your chances of qualifying for premium credit cards, such as rewards and cashback cards, as well as other top-tier financial products, can significantly improve.

Rental Applications: Housing Providers frequently request a copy of your credit report as part of the rental application process. A strong credit history can signal are a dependable Tenant.

Bonus: Having a verified Tenant Record can help you skip the line when applying for your next rental.

Ready to sign up? Tenants can get started for free here.

For Renters, good credit builds over time and can require a mixture of credit accounts. With FrontLobby, rent payments are reported as a trade line on a Tenant’s Credit Report, one of the proven ways to help build a strong credit report. Read more about the benefits in Equifax’s Rental Tradeline Study

Housing Providers 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 like credit history. Unfortunately, renting to someone with little or no credit history can pose known and unknown risks and challenges for Housing Providers.

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

Fortunately, a verified Tenant Record allows Renters to demonstrate a positive track record of paying rent even if they have a poor credit score. When Landlords, Property Managers and Tenants report rent payments to Landlord Credit Bureau, Tenants can build a positive Tenant Record, allowing future Housing Providers to evaluate prospective Tenants on more than just credit scores.

With FrontLobby rent payments can be shared with Equifax  and Landlord Credit Bureau  to be reflected on a Tenant’s Credit Report and Tenant Record.

Survey’s show that over 50% of Renters want to improve their credit. FrontLobby is a great way for Tenants to report their rent payments to Credit Bureaus, like Equifax and Landlord Credit Bureau.

You may have received an invite from your Landlord or Property Manager. If this is the case, please use the link in the email invitation to sign up. It is free and only takes a few minutes. Once your account is complete you can log in to view and verify your Tenant Record.

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

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 Housing Providers and Renters. 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 may 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 outlined here.

Every time we receive a great question, we add it to our Help Center. Using this great resource, you’ll find the answer to almost every question. 

Helping Housing Providers and Renters Prosper

Join our mission to improve the rental industry for everyone.

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Download the Free Payment Plan Agreement Template

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