Instant Credit Boost: Report 24 Months of Rent & Utility Payments
Retroactively report up to 24 months of on-time rent, phone, and utility payments to all 3 credit bureaus. Past users have seen score improvements of 35-65 points within 14 days.
You've been paying rent on time for years. Every month, without fail, your landlord cashes your check. You're also current on your electricity, gas, water, internet, and phone bills. But none of these consistent, responsible payments are helping your credit score — because traditional credit scoring models ignore rental and utility history. That's billions of on-time payments from millions of responsible Americans that simply don't exist in the eyes of FICO.
Our Instant Credit Boost changes the game by retroactively reporting up to 24 months of your rent and utility payment history to Equifax, Experian, and TransUnion. We integrate with Plaid to securely verify your bank account transactions and identify qualifying payments — rent checks, utility bills, phone payments, and even streaming service subscriptions.
FICO 9, FICO 10, and VantageScore 4.0 all incorporate rental payment data when it's available, and the bureaus are increasingly weighting alternative payment data. For consumers with thin credit files — students, immigrants, or those who primarily use debit — adding 24 months of positive rental and utility history can be transformational. Our beta users with thin files saw an average score increase of 58 points after rent reporting.
Setup takes under 5 minutes. Connect your bank account via our secure Plaid integration (bank-level 256-bit encryption, SOC 2 compliant), confirm which payments you want reported, and we handle the rest. Your rent and utility history is retroactively reported and verified with the bureaus, typically appearing on your reports within 14 business days.
Ready to get credit for the payments you're already making every month? Start your 7-day free trial with Rapha Credit Repair and unlock the Instant Credit Boost with 24-month retroactive rent and utility reporting. No credit card inquiry required.
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Start Your 7-Day Free TrialDisclaimer: The information provided on the Rapha Credit Repair Blog is for educational and informational purposes only and does not constitute financial, legal, or professional credit repair advice. Individual credit repair results vary. Rapha Credit Repair is a self-service software platform, not a credit repair organization or law firm.