How to Repair and Report Rent Payments to the Credit Bureau

Consumer reporting for rental payments was not collected by credit rating agencies until 2011, when Experian acquired RentBureau. RentBureau is a network of 45 property companies with owners and managers who utilize its data in their property rental candidate selection, and in turn, report payment histories on a daily basis.

Rental payments are reported only by the property managers and owners. RentBureau does not accept consumer-reported payments. If a credit report reflects an inaccurate account of payments, it can be repaired by the consumer.

Instructions

Obtain Copies of Your Credit Reports

1




Credit

Go online and obtain your credit report from each of the three credit reporting agencies: Experian, Equifax and Transunion. They all report rental payment histories, but Experian's is more comprehensive due to their acquisition of RentBureau. Review credit reports for reported rental payment history and reporting accuracy.

2




Receipts and Cancelled Checks

Write a letter to any credit agency with an inaccurate report, and provide the correct dates of your payments. Attach copies of cancelled checks and dated receipts for substantiation.

3




US Mail

Submit your dispute online at each respective credit agency websites. Letters can also be sent with attachments through regular mail to Equifax and Transunion. Experian only accepts online disputes.

4

Follow up with credit bureaus after 30 days.