Rent reporting

At Zable, we're here to help you break the cycle of making monthly rent payments without reaping the rewards.

Use rent reporting to build your credit history and boost your credit score, similar to how you would if you were making mortgage repayments.

  1. Start using our free rent reporting service in a matter of minutes

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Illustration of a house on top of a stamped piece of paper

What is rent reporting?

Unlike monthly mortgage repayments, rental payments don't appear on a credit report, trapping renters in a negative cycle of being unable to secure competitive mortgage offers. However, rent reporting is a feature where rental payments are recorded and reported to credit reporting agencies.

Demonstrating you can pay your rent on time with rent reporting can help to build your credit score, making it easier to get loans, mortgages or other forms of credit in the future.

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How do rent reporting services work?

With Zable, reporting your rent couldn't be simpler. Using our market-leading app, we'll track your future rent payments seamlessly through your bank account and report this data to the credit bureaus to start building your rental credit report.

This record of your on-time rent payments will take a short amount of time to appear on your credit report, and in turn, help to boost your credit score.

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How to improve a bad credit rating

If you are wondering how you can build your credit score, below are some of the simple steps you can follow to improve your credit rating:

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Improve your credit score by paying rent

Adding your rent payment history to your credit report may help to improve your credit score over time. By reporting your on-time rental payments, it can make it easier for you to get approval for other forms of credit in the future.

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Increase your credit limit

Your credit limit is the highest amount you can borrow for financial products such as credit cards or loans. By reporting your rent payments to credit bureaus, you might be able to increase this limit by demonstrating your good credit score and credit history.

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Gain access to lower interest rates

Having a good credit score and credit history means you may be more eligible to attain lower interest rates on credit products such as personal loans or credit cards from lenders. This means more money in your pocket, because you will pay less back in interest.

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Improve your chances in the rental market

Having a proven track record for paying your rent on time may make it easier for you to secure another rental tenancy with a landlord or property management company in the future.

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Diversify your credit portfolio

Having rent repayments as part of your credit history can help to diversify your credit portfolio. This will demonstrate your ability to manage a variety of credit types beyond the likes of credit cards or personal loans.

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Apply for a mortgage or loan

With a higher credit score from rent reporting, you're likely to be looked at more favourably by lenders for a future loan such as a mortgage by proving you can consistently make payments on time.

How can I report my rent payments with Zable?

With Zable, rent reporting is simple. Once you have downloaded our app and linked it to your personal bank account, you can sign up for our rent reporting service in minutes. We'll identify rental payments leaving your bank account each month and report them directly to credit reference agencies.

We're committed to helping our customers reach their financial goals. That's why, unlike some other providers, you can use our rent reporting service free of charge.

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Why choose rent reporting with Zable?

  1. While others might charge you, Zable is free!

  2. Fast and friendly support available from 9am to 6pm, seven days a week

  3. Trusted by over one million customers worldwide

  4. Fully authorised and regulated by the FCA

  5. Manage your account with ease using the Zable app

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Our rent reporting experts

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“At Zable, we recognise that building a strong credit profile can be a challenge for renters, who often don't see their timely rent payments reflected in their credit score.

By introducing rent reporting, we’re allowing renters to strengthen their creditworthiness without taking on debt.

It’s a game-changer for those looking to improve their financial standing in a more accessible way.”

Zable Product Manager - Credit Products

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Report your rent payments and improve your credit score today

Creating your rental report with Zable couldn't be easier. Simply download our app and check your eligibility today.

Download the Zable app

Rent reporting FAQs

Unlike other companies that charge a monthly subscription fee, we're incredibly proud to offer customers our rent reporting service free of charge.

You won't be able to report your rent payments to credit bureaus yourself, but that's where we come in. We'll streamline the process with our free rent reporting service which will automatically track and verify your rent payments and pass on this data directly to the credit bureaus on your behalf.

The time it takes for rent reporting to positively impact your credit score can vary, depending on several factors, such as your current credit score. Typically, you can expect to see improvements as you build your credit score in around 3 to 12 months if you consistently report your rent payments.

As we do not receive your rent, we only report to bureaus that we couldn’t see it and so it won’t negatively impact your score. If we can’t find rent, we’ll let you manually select it in the app before we report to bureaus. Ensuring you always pay your rent on time will improve your rental credit report and help you build your credit.

If you're renting a home from a private landlord and you want to boost your credit score, rental credit reporting agencies can help you create a rent report.

Typically, once you sign up for a rent reporting service, you'll provide information about your rental agreement and your private landlord. This information will be verified, and consent will be obtained to track the rental payments. Your payments to the landlord will be tracked via your bank account and passed to the credit bureaus to be reflected in your rental credit history.

Unfortunately, you'll only be able to use rent reporting services to track current and future rent payments. That's why it's important to start tracking your rent payments as soon as possible if you're keen to improve your credit score.

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Start rent reporting with Zable today

Keen to get started? Download the Zable app and use your rent payments to start building your credit score today.

Download the Zable app
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