Consumers Leverage Rent Payments to Improve Credit Scores: What You Need to Know

More renters are reporting their rent payments to credit bureaus to build or improve credit, with the share rising from 11% in 2024 to 13% in 2025, according to a TransUnion survey of 2,006 renters. Rent reporting benefits “credit invisible” users and typically boosts credit scores by around 60 points. Gen Z leads with 18% participation, followed by millennials, Gen X, and baby boomers. Experts advise checking the necessity, cost, bureau coverage, data reported, and cancellation policies before enrolling, as late payments or service gaps could negatively affect credit. Careful consideration ensures optimal benefits from rent reporting services.