Rental Reporters

Approvel Odds

Bad Credit

No Credit

Your rent payments can improve your credit score. Get what you deserve
We report your payments to TransUnion AND Equifax

A new tradeline appears on your credit report

Look for your score to change within 10 days

Who Would Want To Participate In Our Rental Reporting Program?

Rebuilding Your Credit? We can help you rebuild your credit in a matter of days by reporting your last two years’ of on-time rent payments to TransUnion. The addition of this significant payment history will have a dramatic impact on your credit and allow you to move towards credit independence.
Want To Establish Credit? We add a new trade line to your credit report that reflects your on-time rental payment history. We add not just your on-time payments but we add the length of your rental payment history. How many years have you been renting a house or apartment? That length of credit history is not part of your credit report.
Buying A Home? We add a new trade line to your credit report that reflects your on-time rental payment history. We add not just your on-time payments but we add the length of your rental payment history. How many years have you been renting a house or apartment? That length of credit history is not part of your credit report. Your rent payment history both “thickens” your credit file with positive data that is taken into account and demonstrates your ability to repay your largest monthly obligation……. your rent.

There are 4 simple steps to the rent reporting process

Verification of your identity and rent payments: On your application, we need basic information such as your social security number, date of birth, address, and your landlord’s contact information. Your social security number ensures that your rent history is clearly matched with your credit profile.
Verification of your rent payments with your landlord: We work directly with your landlord to verify their identity and confirm your on-time rent payments both over the last 24 months, and in the months to come. For a fee of $50 each, we can also verify and report rent payments made to multiple landlords within the past 2 years.
Rent reporting to credit bureaus: Equifax and Transunion.
Tradeline creation on your credit report: A new tradeline is created on your credit report within 5-7 business days. You receive a notification when this is completed. As you continue to pay your rent each month, more information is added to this tradeline. This is why it is important to keep your subscription paid and current every month.

What Does This Program Cost?

The one-time enrollment fee of $94.95 pays for landlord verification and reporting up to 2 years of rental payment history to the credit bureaus. The monthly subscription fee of $9.95 enables us to automatically verify and report your ongoing rent payments. As with any credit report tradeline, the more months of data, the greater the impact can be on your score.

Merchant Account

Grow sales and get paid faster with a CreditVana merchant account. Whether you’re launching a new store or scaling an established brand, we make payment acceptance simple, secure, and affordable, online, in-app, or in-store.

Inside the Credit Vana app, you’ll also get helpful credit insights and creditvana credit monitoring to keep your business and personal credit on track while you process payments.

Why choose CreditVana for payment processing

Fast approvals (often same day, where eligible) with transparent pricing and no hidden markups.
Accept all major cards, wallets, and ACH—plus recurring billing and subscriptions.
Chargeback & fraud tools with advanced rules, 3-D Secure, and alerts that reduce losses.
Seamless integrations with popular carts and CRMs; robust API for custom stacks.
Payout flexibility (daily or weekly) and real-time dashboards for settlement, fees, and dispute status.
Multi-MID and multi-currency options for growing brands and international sellers.

Built for startups and scaling brands

Getting approved can be tough for new businesses. We help you present strong underwriting files—bank statements, processing history, product risk review—and, if you’re still building credit, we’ll guide you on what is a good credit score and ways to improve credit score fast.

If you need working capital for inventory or ads, explore business loans for startups and compare offers side-by-side. Use our calculators to model payments and margins before you commit.

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Your data is protected end-to-end with tokenization and PCI-compliant vaulting. Turn on credit score monitoring with creditvana credit monitoring to receive credit monitoring alerts and proactive notifications that can flag identity issues early.

We also partner with select providers—including our card marketplace partner, CreditCardBroker.com—to broaden options while keeping your experience inside CreditVana.

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¹ International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

² Vana Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Vana Cash requires you to also open a virtual secured credit card with CFSB that is reported to the credit bureaus. Use money from your Vana Cash account to create a virtual secured credit card. Your debit card purchases are then added up to create a balance on your virtual secured credit card. As you make these purchases, an amount equal to the balance on your virtual secured credit card is also set aside in your Vana Cash account to ensure you can make timely payments to pay off the balance on your virtual secured credit card at the end of each month, allowing you to build a positive payment history. Credit Vana does not guarantee credit score improvement. Any predicted credit improvement from the use of your virtual secured credit card assumes that you will maintain healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.

³ Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

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