Audience: Credit Repair Cloud users who want to add a new revenue stream while helping clients build positive credit history. BuildCredit Rent is for clients who rent and is especially valuable to those with thin credit files or scores below 660, though any client who pays rent can benefit.
Rent Reporting turns your clients’ on-time rent payments into positive credit history and earns you a commission for every enrollment. This article explains what the product is, why it helps your clients, what you earn, and exactly how clients sign up.
Table of contents:
To start, make sure you have the following:
Your client must be paying rent to a landlord or property manager. Your client must have at least 3 rent payments made within the last 6 months that can be verified through their bank account. Reporting can't begin until this minimum is met.
What is BuildCredit Rent?
BuildCredit Rent (Rent Reporting) is a service that adds your clients’ on-time rent payments to their credit profile. Payments are reported to Experian and TransUnion. Up to 24 months of verified rental payment history can be added retroactively, and only on-time payments are reported. No debt is ever added to the client’s credit profile.
How do my clients enroll for BuildCredit Rent?
From your client’s perspective, the process looks like this:
Locate the Turn Rent Payment into Credit History banner at the top
Click on Get Started
Click on Get Started Today - $49.99 + $5.99/mo
Verify the details of your purchase and click on Confirm Payment
Click on Continue
Fill out the form with your information
Click on Next
Fill out the form with your landlord’s or property management company's information
Click on Next
Fill out the form with your lease information
Attach a PDF copy of your lease agreement
What your lease must include:
Have these items visible on the document for the fastest approval.
* Address of the property
* Tenant name
* Landlord name
* Lease start date
* Rent payment amount
* Rent payment due date
* Landlord signature
* Tenant signature
Quick Tip: If something is missing, ask your landlord for an addendum or a signed letter that includes the missing item.
Click on Next
Carefully read the Terms
By enrolling in the rent reporting services provided by BuildCredit LLC, you acknowledge receipt of, and agree to, the Terms of Service and Privacy Policy. You also authorize us to collect, verify, and share your rental payment history with one or more consumer reporting agencies, authorize us to contact your landlord to verify your payment obligations, affirm that your rent payment transactions are not furnished to any credit bureau by any other party, and affirm that you do not have an active mortgage.
Note: In practice, verification is completed through the linked bank account. Landlord contact is authorized but is not a required part of the process.
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Click on Agree & Submit
Click on Connect Account
Follow the prompts to connect with your banking app and confirm the account that shows your most recent rent payment.
How you pay → What to connect
If you pay through your Property manager portal (ACH / auto-debit) → Connect the same bank account that the portal uses to pull funds.
If you pay through Debit/credit card via portal → Connect the card account you actually use for rent payments
If you pay through Zelle/Venmo/similar (from bank) → Connect the bank account that funds those transfers
If you pay through Checks/bank bill-pay → Connect the checking account that issues the rent checks
You’re now connected to BuildCredit Rent!
After connecting, the system reviews up to 24 months of transaction history and matches payments based on amount, date, payee, and payment type. Not every transaction will qualify, and the lease must also be verified before reporting begins. Verification is handled through the linked bank account. Your client's landlord generally will not be contacted.
How does BuildCredit Rent help my clients?
Rent Reporting isn’t just a revenue opportunity for you; it’s a genuinely effective credit-building tool for your clients:
Retroactive history: Up to 24 months of verified rent payments can post at once, which can produce a meaningful jump in score, especially for clients with thin files.
Positive-only reporting: Only on-time payments are reported. Missed or late payments are not, and no new debt is created.
Builds a track record: Clients who pay rent reliably finally get credit for it, helping establish a positive payment history where little existed before.
How much is BuildCredit Rent for my clients?
During sign-up, your client will see a simple two-step pricing structure:
One-time enrollment fee $49.99. Covers the retroactive update that adds up to 24 months of rent history to their profile.
Monthly subscription is $5.99/month. Keeps ongoing rent payments reported each month.
Clients can cancel the monthly subscription at any time.
How much can I earn with BuildCredit Rent?
You earn a one-time $10 commission for each client who enrolls in Rent Reporting. There’s no cap. The more clients you enroll, the more you earn.
Which clients are the best fit for BuildCredit Rent?
BuildCredit Rent can help almost any client who pays rent, but it has the highest impact for:
Clients who have at least one year of rental history.
Clients with thin credit files and limited or short credit history.
Clients with scores below 660.
This doesn’t mean other clients can’t benefit; they can. The effect is simply more pronounced for clients with lower scores or thinner files, where added positive history moves the needle the most.
Frequently Asked Questions
How and when do I get paid my $10 commission for BuildCredit Rent?
You earn a $10 commission for every client who successfully enrolls in Rent Reporting, provided their lease is validated, and no refunds are requested.
Your bank information must be up to date by the end of the current month to be eligible for next month's payout.
Payouts are generated on the 8th of every month with the following considerations:
Commissions are calculated based on enrollments occurring between the first and last day of the preceding month, including any outstanding balances. In instances where a client enrolls but lease validation occurs in the subsequent period, the resulting commission will be issued on the following payout date (the 8th of the next month).
If the 8th is on a weekend/holiday, payouts are processed on the next business day after the 8th.
Transactions will be reflected in your bank account within 1-5 business days and may take up to an additional 5-10 business days to post to the Tipalti platform.
You must have accrued a minimum of $100 in affiliate commissions to receive a payout.
Any value under $100 will roll forward to be evaluated for payout on the next payout date.
On your bank statement, the transaction will be listed as coming from *Credit Hero Score LLC* (rather than Tipalti).
Is the BuildCredit Rent enrollment fee refundable?
The $49.99 one-time enrollment fee is non-refundable once the back-history score update has taken place. The $5.99 monthly subscription can be canceled at any time. Set this expectation clearly with clients before they enroll.
Which clients are eligible for BuildCredit Rent?
Any client who pays rent to a landlord or property manager is eligible. The product delivers the strongest results for renters with thin files or scores below 660.
Can clients cancel BuildCredit Rent?
Yes. Clients can cancel the monthly subscription at any time, which stops future rent reporting. The one-time enrollment fee is non-refundable once the back-history update has been applied.
Does this add debt to a client’s credit profile?
No, BuildCredit Rent Reporting only adds positive, on-time payment history. No debt or balance is ever added.
Which credit bureaus receive the data?
Payments are reported to Experian and TransUnion. Up to 24 months of verified rental payment history can be added retroactively.
How long until rent payments show up on my client's credit report?
Once a client is fully verified, their rent is furnished to the bureaus on the next monthly reporting cycle. After that, payments typically appear on the credit report within 30–45 days, depending on each bureau's processing time and the client's reporting date. Up to 24 months of back-reported history posts in that same cycle once the lease is verified.
What happens if my client's lease isn't approved?
If a lease can't be verified, the client will be prompted to upload a new lease. If an acceptable lease isn't provided, the application will time out and the client will need to re-apply once they have a lease that can be verified.