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Level 1
November 24, 2025
Question

Getting credit through Rent-Reporting

  • November 24, 2025
  • 1 reply
  • 2 views

I moved to a condo this past September and rent a room from my brother.  I don't have a credit score right now because I haven't used any credit cards or taken out any loans.  I hope to build my credit score, and I looked up that I can do so by reporting my rental payments.  It is my first time renting from anywhere.  I pay my brother my rental payments through Zelle.  I tried using Experian to report my rent, but it wasn't getting me anywhere.  I was using Experian Boost, and it just scanned my bank and did nothing else.  I tried calling customer service, but it also led to no results, as the representatives I spoke to didn't quite understand what I was asking, even after I tried to explain it a couple of times.  I did look up sites I can use to report my rent, even though I use Zelle, and one site that came up was called Boom, which acts as a third party to send my reports to a credit bureau.  What I want to know is if there is anything else I need to do to report my rent and, in turn, build up my credit?

1 reply

GabiU
Level 13
November 24, 2025

Hi @elaine91 Thanks for joining the community! 
There may be some credit cards that allow paying rent. Try searching  "Which credit card can I pay rent with?" to start your research. 
Here's some articles and a discussion on how to start building your credit: 
-How to build your credit
-How to increase your credit score
-How to Raise Your Credit Score

Perhaps some others here on the community will have tips for you as well. Best of luck! 

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