Add Rent to Your Credit Report

Level Credit Report – Add Rent to Your Credit Report to Boost Your Credit Score

Level Credit
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Name: Level Credit (formerly, Rent Track)

Description: One of the best rent reporting services, RentTrack is very affordable. Average score increases by 16 points.

Offer price: 6.95

Author: I Love Making Money Reviews

Our Verdict

I Love Money Making recommends Level Credit based on the results (proof) that it boosts an average of 16 points across 12,000 different studies.

  • Easy to Use - /10
  • Value for Price - /10
  • Customer Support - /10
  • Variety of Features - /10


  • Reports to All Three Credit Agencies
  • Low Monthly Fee
  • Makes Payments on Your Behalf


  • Monthly Fee
  • 16 Point Average Boost


Are you looking to increase your credit score? Adding rent to your credit report is one of the fastest ways to increase your credit score within the next two weeks. Rent Track (now, Level Credit) is a service that reports rent to the agencies.

Level Credit (formerly, RentTrack) is a rent reporting and online rent payment portal founded in 2013.  It allows you and your landlord to report your rent and add it to your credit score. Since one of the factors that make up 35% of your credit score is payment history and 15% make up credit mixture, adding rent can boost your credit score an extra 40 to 50 points.

Among all the rent reporting services in the country, Level Credit has an unbeatable feature. They report to all three credit bureaus: Experian, Transunion, and Equifax. 

How Does It Work?

Step 1:

You sign up with Level Credit (formerly, RentTrack) with your email, Social Security Number, and Address. Upon receiving the details, they will start the rent verification process. Once the verification is successful, the next step begins. 

Step 2:

You will start to pay your rent to your landlord via Level Credit (formerly, RentTrack). Why? Because Level Credit (formerly, RentTrack) not only routes the amount to your landlord but also reports the payment to credit bureaus. The whole rent payment and reporting process are taken care of by them. You sit back and watch your credit score grow. 

Step 3:

If you have been paying rent for more than two years, you can use it to improve your credit score as quickly as 30 days or less. RentTrack can report your last 24 months rent payments to credit bureaus. This adds weightage to your credit report. 

What Does Level Credit (formerly, RentTrack) Report To Credit Bureaus?

RentTrack reports up to 24 months of rent payments to the credit bureaus. Rent payments differ from other payments such as credit cards, mortgages, or car payments. Rent payments fall under a new FICO Score 9 and VantageScore.

What Factors Fall Under FICO Score 9

  • Medical Debt
  • Paid Collections
  • Rent Payments

The base FICO Scores range from 300 to 850, while FICO's industry-specific scores range from 250 to 900. On the 300 to 850 scale, a score of at least 670 and above for FICO and 700 and above for VantageScore means having a good credit score.

Related: How to Raise Your Credit Score by 50 to 100 Points in 30 Days or Less

Level Credit Cost & Pricing for 2021

The Level Credit (formerly, RentTrack) service charge is $6.95/month. This is for renters only.

There is an additional service available for anyone who wants to report their past rent payments and improve their score quickly. 

One time fee:

  • For 12 months history – $49.95 
  • For 24 months history – $89.95

The historical rental reporting works like this:

  1. You share your rent details with Level Credit (formerly, RentTrack). This includes a copy of your rental payments and previous leases of up to 24 months. 
  1. Level Credit (formerly, RentTrack) verifies if the payments were made on time. 
  1. If the results are positive, then they report it to the bureaus.
  2. A positive rental tradeline is added to your credit report. You can expect your score to improve by at least 30 points.

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Pros Of Level Credit (formerly, RentTrack)

  • Level Credit (formerly, RentTrack) reports to all three credit bureaus. This boosts your score with each agency.
  • Low monthly fee. Compared to other rent reporting services, Level Credit (formerly, RentTrack) fee is very less. Level Credit is $6.95. Other companies pricing: Rental Kharma is $8.95 per month. Rent Reporters is $9.95 per month.
  • Unlike other rent reporting services, Level Credit (formerly, RentTrack) does the job of making the rent payments to landlords on behalf of you. So, you don’t have the trouble of missing a payment.
  • Data security is top-notch with Level Credit (formerly, RentTrack). They take data security seriously. Your data is encrypted at every stage. 

Cons Of RentTrack

  • You have to give them your bank details for them to process your payments to your landlords.

What Questions Should You Ask?

First, check with your property manager to make sure they don't already have a service that they use. If your property manager accepts rent through a service, then you can go that route usually at no cost to you.

If not, here are questions you should ask before choosing:

  • Which of the major credit bureaus do they report to?
  • How do they protect data?
  • What are the setup fees, ongoing fees and cancellation fees?
  • How can you cancel the service?
  • What is the contract terms?
  • How fast does this boost your credit score?


Level Credit does the job perfectly at an affordable price. In addition to the rent reporting, L.C. takes care of the payment too. That's an added advantage. The highlight of Level Credit (formerly, RentTrack) is that they report to all three major credit bureaus.

If you're looking to repair your debt, then we recommend using the Credit Assistance Network. If you haven't created a budget, then check out the best budgeting methods and choose one that fits your income & lifestyle.

Frequently Asked Questions About Level Credit (formerly, RentTrack)

Do rent payments help build credit?

TransUnion did a study in 2017 and the answer is yes. The average across the board for 12,000 renters rose 16 points within 180 days. The scores who had the most impact were below 620.

What is the lowest credit score to rent an apartment?

Most individuals or companies renting an apartment want credit scores from applicants to be 620 or higher. People with credit scores lower than 620 may indicate they are a high risk renter.

How can I build credit fast?

Apply and open new credit accounts only as needed. Charge a few items that you know you can pay off & then, split that balance into three payments to establish credit. If you have balances and credit cards, then paying them down & increasing the limit can boost your credit score because it lowers your credit utilization ratio.

What are the three major credit reporting companies?

In the U.S., there are three national credit bureaus (Equifax, Experian and TransUnion) that compete to capture, update and store credit histories on most U.S. consumers.

How can I boost my credit score up to 100 points in 30 days?

If you're looking to boost your credit score by 100 points, you'll want to know what factors influence the scores. The fastest way to boost your score is by paying off any balances, bringing any past due accounts current and paying off any collections or liens. If you already have a collection, then, you'll want to make sure they do a removal in exchange for the payoff. Otherwise, it stays on for 7 years.

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