How does Rent Reporting work?

Bright Money securely reports your rent payments to credit bureaus. You just pay your rent as usual, and we handle the rest.

Which credit bureaus do you report to?

We report to Experian, Equifax, and TransUnion, helping you build credit with all three major bureaus.

Does it help my credit score?

Yes! Rent payments are often your largest recurring expense. By reporting them, you add positive payment history to your credit file.

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Build credit history with rent payments

Name: Bright Rent Reporting
Brand: Bright Credit - Refinance Credit Card Debt
Rating: 5 (5 reviews)

RENT REPORTING

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Why Bright?

Report rent payments

Your monthly rent details are shared with credit bureaus to help build credit history.

Secure Connection

Add your lease and payment account once — Bright handles the submission safely each month.

Build credit history

Starting won’t affect your score. Continue regular rent payments and see your profile strengthen.

How it works?

Find rent payments

Your on-time rent payments are chosen from your rental portal or your connected checking account.

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Report to bureaus

We report these payments to the credit bureaus. The payments are reported to the credit bureaus, of up to 2 years.

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Build payment history

On-time rent payments count as positive payment history.
Payment history makes up to 40% of your credit score.

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Credit score improve

Your credit score can improve with on-time payments.

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FAQs

What is Rent Reporting? How does it work?

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Bright reports your rent payments to the credit bureaus. This counts as on-time payment history helping you to build credit history. Bright reports up to 24 months of past payments and ongoing monthly payments to the credit bureaus.

Are there any fees for Rent Reporting?

You need to have Bright Premium Membership with Rent Reporting as an add-on. Rent Reporting Membership is $35 for one-time past reporting (up to 24 months) and $4 monthly recurring (for ongoing months).

What are the eligibility requirements for Rent Reporting?

Being a U.S. citizen or a permanent resident
Being at least 18 years old
Should pay rent for their residential house
Should have a valid lease
Should have valid rent payment proof
Should have paid Bright premium membership and Rent Reporting Membership (Past/Monthly)

How do I apply for the Bright Rent Reporting?

You can apply for Rent Reporting on the Bright App.

To download the app, use this link -
Google Play Store
Apple App Store

Or you can also apply on Bright’s website, using this link - https://app.brightmoney.co/

FAQs

What is Rent Reporting? How does it work?

−

Are there any fees for Rent Reporting?

What are the eligibility requirements for Rent Reporting?

Being a U.S. citizen or a permanent resident
Being at least 18 years old
Should pay rent for their residential house
Should have a valid lease
Should have valid rent payment proof
Should have paid Bright premium membership and Rent Reporting Membership (Past/Monthly)

How do I apply for the Bright Rent Reporting?

You can apply for Rent Reporting on the Bright App.

To download the app, use this link -
Google Play Store
Apple App Store

Or you can also apply on Bright’s website, using this link - https://app.brightmoney.co/

2025 Bright Capital Inc.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loan offers are available through Bright Money’s Network Partners, subject to credit approval and applicable state restrictions. Loan amounts and terms vary. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. Learn more here. Bright is a financial technology company, not a bank.

When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.

1. Bright reports customer rent history to TransUnion and Equifax credit bureaus. Please note that credit score improvement is not guaranteed, and individual outcomes may vary. Late payments, missed payments, or other defaults on accounts with Bright or other creditors may negatively impact your credit score. Bright does not control credit score calculations, as they are determined independently by the credit bureaus.‍

The product images shown are for illustration purposes only.

Build credit history with rent payments