Rent Reporting adds your monthly rent payments to your credit report for free.
How Rent Reporting works
When you sign up, you link the bank account you pay your rent from, tell us about your rent and upload your tenancy agreement. Each month, we check whether you’ve paid your rent. We then send this information to all three credit reference agencies: Equifax, Experian and TransUnion. Your rent then shows on your credit report.
What you need
To use Rent Reporting, you need:
- To pay your rent every month. We don’t support weekly, fortnightly or 4-weekly payments.
- A bank account in your name that supports Open Banking. This is a way to share your bank payment information with us, with your permission. If your bank or account doesn’t support it, you can’t use Rent Reporting.
- A proof of your tenancy, like an assured shorthold tenancy agreement or a form 4a (even if you rent from family).
- At least one rent payment that we can see through Open Banking. The amount must match your monthly rent.
If your first payment covers your deposit as well as your first month’s rent, you will need to wait for your next payment to sign up. Each rental payment should be for the same amount.
Ready to start? Read how to sign up for Rent Reporting.
Using Rent Reporting in a shared household
You can use Rent Reporting if you share a home. What you do depends on how the rent is paid.
- Rent is paid from a joint account
- Each person can sign up for Rent Reporting on their own
- You each link the joint account to your own ClearScore account
- You enter the full rent amount and pick the full transfer as the rent payment
- A housemate pays the full rent from their personal account after you pay them your share
- Link your personal bank account to your ClearScore account
- Enter your share as your rent amount
- Choose the transfer to your housemate as your rent payment
- You pay the full rent and your housemates pay you
- Link your personal bank account to your ClearScore account
- Enter the full rent amount and pick the full payment as your rent
- Each housemate pays the landlord separately
- Each of you signs up to rent reporting on your own
- You link your own bank account and enter the amount you pay as the rent
How we find your rent payment
We use Open Banking to find it by the payment amount and date. We use an 11-day window to find the transaction - 5 days before to 5 days after the due date and the due day itself.
Your Open Banking connection needs to be active during your payment window. If it isn’t, we can’t report that month’s rent. This is because we can’t see your payment.
If you reconnect your bank account after the payment window has passed, we can’t go back and report that month. We don’t update past months.
When your rent shows on your credit report
We send your payment information to the credit reference agencies once a month, on the 15th. Your rent can take up to 2 months to show on your credit report and in ClearScore, depending on what day your rent payment goes out.