What Credit Bureau Does RentGrow Use?

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RentGrow reports directly to Experian, so Experian is RentGrow's bureau for every tenant; your on‑time rent payments will show up only on your Experian credit file, which is why the next section asks whether RentGrow hits all three bureaus.

RentGrow does not hit all three credit bureaus; it reports exclusively to RentGrow's bureau, which is Experian. Because RentGrow only pushes rental data to Experian, the other two major bureaus (Equifax and TransUnion) never receive a direct RentGrow filing.

• Direct reporting limited to Experian means only that file reflects your on‑time rent payments.
• Equifax and TransUnion may still see an indirect boost if lenders share Experian data with them, but no guaranteed credit lift.
• If you need activity on all three reports, consider adding a supplemental rent‑reporting service that partners with each bureau.
• Monitoring your Experian file regularly ensures the RentGrow entry is accurate and timely.
• Should a discrepancy appear, dispute it through Experian's online portal, not the other bureaus.

RentGrow's bureau is Experian's RentBureau, the division that records qualified rental payments on consumer credit files. As noted earlier, this is the sole credit bureau RentGrow partners with, so all rental data flows through that single channel.

When RentGrow uploads a tenant's on‑time rent, Experian's RentBureau adds a line item such as 'Rent payment - on time' with the monthly amount and payment date. Consistent positive entries can lift a FICO score by 5‑15 points, while a missed or late rent shows up as 'Rent payment - past due,' which may pull the score down. These entries sit alongside credit‑card and loan information, giving lenders a fuller picture of repayment behavior.

RentGrow's bureau - Experian - records your rent activity on a set schedule, so you know exactly when your credit gets a boost or a hit.

1. Lease signing (Day 0). RentGrow submits a verification of tenancy to Experian within 48 hours. The account appears as 'Rent Payments  -  Verified' and adds a positive tradeline right away.
2. Monthly reporting (≈ Day 5‑10 each cycle). After each on‑time payment, RentGrow sends the payment status to Experian. The positive payment updates the tradeline and can lift your score within a few weeks.
3. Late‑payment flag (Day 30‑35). If a payment is 30 days late, RentGrow reports the delinquency to Experian. The negative mark appears on your report and may drop your score for 6‑12 months.
4. Resolution update (Day 45‑60). Once the late balance is paid, RentGrow notifies Experian. The delinquency status changes to 'Paid' and the negative impact begins to fade.
5. Lease termination (Within 30 days of move‑out). RentGrow sends a final 'Closed' status to Experian, confirming the account's good standing or any unresolved issues. The closed tradeline stays on your report for up to 10 years, contributing to credit history length.

These five checkpoints define RentGrow's credit pull timeline, setting expectations before you move on to 'Maximize your score via RentGrow's bureau.'

RentGrow reports your on‑time rent to Experian's RentBureau, so optimizing that single feed can raise your credit score quickly. Because only Experian receives the data, every positive entry compounds your Experian credit profile.

• Verify that each rent payment is posted as 'on‑time' in your landlord's system; late marks never reach Experian.
• Keep your lease active; a terminated lease stops reporting and can freeze score gains.
• Encourage your landlord to submit rent data through the RentGrow portal, which pushes updates to Experian in real time.
• Review your Experian credit report quarterly; dispute any missing or incorrect rent entries via the Experian RentBureau dispute portal.
• Use automatic payment methods to avoid missed dates; consistent timing reinforces a positive payment history.

By treating Experian's RentBureau as your primary credit lever, you concentrate effort where it counts and watch your score climb.

RentGrow's bureau, Experian RentBureau, boosts your credit in five concrete ways.

• Sends each on‑time rent payment to Experian, creating a positive tradeline that directly lifts the payment‑history segment.
• Adds months of rental activity to your credit file, lengthening the average age of accounts.
• Introduces a new account type, enriching your credit mix and signaling responsible recurring obligations.
• Supplies additional data for newer scoring models (FICO 9, VantageScore 4.0), which weight rent information more heavily than older versions.
• Acts as a safety net; if a credit‑card payment slips, the recent rent record can offset the negative hit and keep the overall score from dropping sharply.

You dispute RentGrow errors on their bureau by filing a direct dispute with Experian, the sole credit reporting agency RentGrow uses. Log into Experian's online portal, select 'Add a Dispute,' and upload proof such as lease statements or payment records that contradict the reported information.

After submission, Experian must investigate within 30 days and notify you of the outcome; if the entry is corrected, the updated status appears on your credit file within a few weeks. Keep the dispute confirmation handy and re‑check your report to ensure the error stays removed. For the official dispute form, visit Experian's dispute process page.

Missing a rent payment triggers RentGrow's bureau - Experian's RentBureau - to log a late‑payment after 30 days of delinquency. The entry appears on the tenant's credit file as a negative mark.

That mark remains for up to seven years; settling the balance merely updates the status to 'paid' without erasing the record. As noted in the timeline section, the bureau does not wait for a 60‑day threshold before escalating severity.

The quickest way to blunt the damage is to bring the account current immediately and maintain perfect on‑time payments thereafter. Adding the rental history to a primary credit card or a credit‑builder loan can also help dilute the impact over time. For official details, see RentGrow's FAQ on credit reporting.

If you're moving out, make sure the last few months of on‑time rent stay on RentGrow's bureau so the credit boost sticks.

Do this before the lease ends:

• confirm the final rent payment has been posted to RentGrow's bureau (Experian);
• pull a copy of your credit report to verify the positive entry;
• ask the landlord to waive any pending fees that could turn into a late‑payment mark.

Those steps lock in the positive history, and the record will remain on your credit file for up to seven years, continuing to help your score even after you've left the unit. This smooth transition sets the stage for the next comparison of RentGrow's bureau versus other rent‑reporting services.

RentGrow reports only to Experian, while most other rent reporters push data to one, two, or all three major bureaus.

RentGrow's bureau (Experian) receives a single monthly rent payment record that appears as a 'rent' tradeline, follows the same 30‑day reporting window as any other credit line, and updates only that file. Because the data lands in one place, any scoring model that weighs Experian will see the effect, but models that rely on Equifax or TransUnion will not reflect the rent activity.

Other rent reporters, such as RentReporters or Cozy, often submit the same payment information to multiple bureaus. They may send to Experian, Equifax, and TransUnion simultaneously, or choose a pair based on the tenant's existing credit file. This multi‑bureau approach can boost a borrower's score across more models, but it also creates duplicate entries and occasional mismatches that require extra dispute work.