Credit building
Your rent could be building your credit.
Everyone starts somewhere, and rough patches happen. A few simple tools may help build your credit history from the payments you already make. We'll point you to the ones that fit.
Find my fit →- ✓ No credit pull
- ✓ No obligation
- ✓ Plans from a few dollars a month
This may fit if
You're new to credit or don't have a credit history yet.- Your credit took a hit and you want a steady way to rebuild.
- You pay rent on time and it isn't showing up on your credit report.
- You're getting ready to rent an apartment, buy a home or apply for a loan.
It may not be right if
- You don't have a bank account yet. Most tools need one, and we'll send a guide to free and low-cost accounts.
- You're looking for someone to remove accurate negative items. No one can legally do that.
- A monthly fee would stretch your budget. Some free steps, like checking your reports, are a good place to start.
How it works
- 1
Answer a few quick questions
Tell us your goal, whether you rent, and what you could set aside each month. It takes about a minute and doesn't pull your credit.
- 2
Get your matched tools by email
We'll email you the tools that fit your answers, like reporting the rent you already pay, and what each one costs.
- 3
You decide
There's no obligation and no call. Read through your options and start whenever you're ready.
Good to know before you start
Results vary
These tools may help build your credit history, but no one can promise a higher score. Your score depends on your whole credit report.
Most tools cost something
Rent reporting and credit-builder loans usually have a monthly fee or payment. Make sure it fits your budget before you sign up.
Missed payments can hurt
A credit-builder loan reports your payments, late ones included. Only start one if you can make every payment on time.
Some steps are free
You can check your credit reports for free at AnnualCreditReport.com and dispute errors yourself with the credit bureaus.
Questions people ask
Is Ledgerlane a credit repair company?
No. We don't fix or remove anything on your credit report. We point you to independent tools that may help build your credit history.
How can rent help my credit?
Rent usually isn't reported to the credit bureaus. A rent reporting service can add your on-time payments to your credit history.
What's a credit-builder loan?
It's a small loan where your payments go into savings. Each on-time payment is reported, and you get the money when the loan is paid off.
Do I need a lease to report rent?
Not always. Some services need a lease and your landlord's help, and others can verify payments from your bank account.
Will someone call me?
No. This one is email only. We'll send your matched tools and you can look them over in your own time.
Find the tools that fit you
A few quick questions, about a minute, no credit pull. Plans from a few dollars a month.
Find my fit →These tools may help build your credit history. Results vary, and no one can promise a higher score.