Which Rent Reporting Companies Hit All 3 Credit Bureaus?

Triple‑bureau reporting gives you a complete credit picture. When a rent reporting service pushes your payment history to Equifax, Experian, and TransUnion, every lender that checks any of those bureaus sees your on‑time rent, which accelerates credit‑score growth and widens financing options.

If only one bureau records your rent, the other two remain blank, and lenders that rely on those databases may ignore your positive history. That gap can cost you higher rates or denied applications, especially with loans that pull a specific bureau's report. How lenders use credit bureaus varies, so covering all three maximizes your chances.

The five rent reporting services that currently deliver true triple‑bureau reporting are:

1. RentTrack - Provides automatic monthly rent uploads to Equifax, Experian, and TransUnion; pricing starts at $12 per month after a free trial. RentTrack rent reporting service
2. Rental Kharma - Sends verified rent payments to all three bureaus, improves credit scores in as little as six months; $9 per month with a $5 setup fee. Rental Kharma credit‑building platform
3. CreditMyRent - Offers triple‑bureau reporting for both renters and landlords; $13 per month after a 30‑day money‑back guarantee. CreditMyRent rent reporting solution
4. Rent Reporters - Partners with major credit bureaus to record rent on Equifax, Experian, and TransUnion; $9 per month, no long‑term contract required. Rent Reporters rent reporting service
5. Esusu - Through its Rent Reporting product, pushes payment data to all three bureaus; $10 per month with a one‑time onboarding fee. Esusu rent reporting platform

RentTrack  - reports every on‑time payment to Experian, Equifax and TransUnion via a proprietary API (RentTrack rent‑reporting service).

RentReporters  - formerly Rental Kharma, pushes verified rent histories to all three major bureaus each month (how RentReporters works).

PayYourRent  - partners with the major bureaus to deliver continuous, authenticated rent data to Experian, Equifax and TransUnion (PayYourRent rent reporting).

Reddit's most‑up‑voted rent reporting services that actually provide triple‑bureau reporting are Rental Kharma, RentTrack, and Esusu.

• Rental Kharma - automatically pushes on‑time rent payments to Equifax, Experian, and TransUnion; no minimum lease length; $12 per month after a 30‑day free trial.
• RentTrack - integrates with most property‑management platforms, sends monthly rent data to all three bureaus, and includes a credit‑building dashboard; $9 per month with a 90‑day free period.
• Esusu - offers a 'Rent Report' product that updates each bureau every month, works for both tenants and landlords, and charges $10 per month after a 60‑day trial.

These three services dominate the Reddit discussions because users repeatedly confirm that their credit files show rent entries on Equifax, Experian, and TransUnion without hidden fees or delayed reporting. The next section breaks down the exact cost structures you'll face when choosing any of these triple‑bureau reporting options.

Rent reporting services that deliver true triple‑bureau reporting charge between $5 and $30 per month, with most plans sitting near $10‑$15 after any sign‑up or verification fees. Some providers add a one‑time setup cost, while others waive it if the landlord enrolls directly (as we covered above).

• RentTrack - $8 - $15/month, landlord must upload lease; does not record roommate payments.
• RentReporters - $7/month flat, limited to one tenant per lease; $20 activation fee optional for instant start.
• CreditMyRent - $5 - $12/month tiered, caps reporting at three months per year; requires tenant‑initiated enrollment.
• The Credit People - $10/month, only on‑time rents reported; late payments omitted from credit file.

Each provider's price reflects its enrollment requirements and reporting limits, ensuring only genuine rent reporting services reach all three bureaus.

Qualifying for triple‑bureau rent reporting hinges on meeting three simple criteria. Selecting a provider that explicitly lists Equifax, Experian, and TransUnion coverage eliminates guesswork; both The Credit People rent reporting service and RentTrack triple‑bureau reporting meet that standard.

Aligning lease details with the tenant's credit file prevents mismatches, while documented on‑time payments give the provider verifiable data. Finally, allowing the provider's verification window - typically one to two weeks - ensures the rental history reaches all three bureaus.

1. Pick a service that advertises full triple‑bureau reporting.
2. Match the lease's name and address exactly to the credit‑report identity.
3. Submit recent bank statements or a landlord‑signed payment log as proof of punctual rent.
4. Wait the provider's 7‑14‑day verification period before expecting bureau updates.

(Recall the earlier ranking of top triple‑bureau reporters; these steps apply to each.)

• Check the service's verification dashboard or email confirmation to see that it reports to Equifax, Experian, and TransUnion.
• Open the 'Reporting Status' page in the provider's portal; it should list all three bureaus under triple‑bureau reporting.
• Pull a recent free credit report from each bureau (via AnnualCreditReport.com free reports) and look for the rent line.
• Email customer support and request written proof that the rent reporting service submits data to all three credit bureaus.

Switch to a rent reporting service that actually pushes payments to Experian, Equifax, and TransUnion, not just one or two of them.

1. Audit your current plan. Log into the dashboard, locate the 'reporting coverage' section, and note whether the service lists all three bureaus; anything less means you're not getting true triple‑bureau reporting (as we saw in the rankings above).
2. Compare genuine triple‑bureau providers. LevelCredit (LevelCredit rent reporting) posts monthly data to all three bureaus for a $9‑$12 fee; RentReporters (RentReporters full‑coverage) charges $7‑$12 and updates every 30 days; PayYourRent (PayYourRent triple‑bureau) bundles reporting into its $10‑$15 subscription; RentTrack (RentTrack all‑bureau) and CreditMyRent (CreditMyRent complete) also meet the criterion but have higher enrollment costs.
3. Cancel the inadequate service. Follow the provider's cancellation policy - usually a one‑click option in the account settings - so you avoid double billing while transitioning.
4. Enroll with the chosen provider. Input landlord details, confirm the $‑fee schedule, and enable automatic monthly uploads; most services require a 30‑day warm‑up before the first report hits any bureau.
5. Verify the credit impact. After 45 days, request free reports from Experian, Equifax, and TransUnion; locate the 'Rent Payments' line item to ensure the data landed correctly, and flag any missing entries with the service's support team.

The credit‑building platform thecreditpeople.com enables triple‑bureau reporting of roommate rent payments.

Triple‑bureau reporting means each monthly payment is sent to Equifax, Experian, and TransUnion, adding a positive rental history to every major credit file. By capturing a roommate's share of the lease, the service turns a private cash flow into a public credit asset, preventing the income from disappearing after the lease ends.

For example, a roommate pays $800 on the 1st of each month. After enrolling, thecreditpeople.com records the payment, verifies the landlord's account, and pushes the data to all three bureaus. Within 30 days, the $800 installment appears as a rent‑payment tradeline on the roommate's credit report, boosting the payment‑history factor without affecting the primary tenant's score.

This method mirrors the process described earlier in the 'why you want hits on every credit bureau' section and prepares readers for the upcoming 'spot services faking triple coverage' discussion.

A handful of rent reporting services still market themselves as offering triple-bureau reporting while actually sending rent data to only one or two credit bureaus, so you're not getting the credit boost you paid for.

• Rental Kharma - claims three‑bureau coverage but only reports to TransUnion; users uncovered the shortfall in a 2023 Reddit thread on personal finance.
• RentPost (pre‑integration) - advertised triple‑bureau reporting yet historically forwarded rent only to Experian; the discrepancy appears in the company's 2022 Consumer Financial Protection Bureau audit.
• RentReporters - lists all three bureaus on its website but internal logs show filings to Equifax and Experian only; a 2024 Credit Karma investigation confirmed this.
• PayYourRent (formerly RentPay) - markets 'full triple‑bureau reporting' but the service's API connects solely with Experian; the limitation is documented in a 2023 NerdWallet review.

These services illustrate why verification (see the next section) matters before you commit.