Use Rent and Bills to Build Credit History¹

Pay Rent and Utilities. Sign-up to Bright.
Report to major bureaus.²
Get started
4.8
117k reviews
4.7
59k reviews
Payoff debt smarter
AS FEATURED BY
FEAUTURED BY

Why Rent Reporting?

Build credit history¹ with the rent you paid

Get monthly payment reported to bureaus. See terms and conditions

Report Rent of last 2 years

Make each effort count

Improve chances of mortgage approval³

Start your journey today to own a home

Build credit history¹ without adding any debt

Build credit history the Bright way!

How it works

01

Pay rent on-time as you regularly do

02

Get payments reported to the Credit Bureaus²

03

Rent payments adds to the payment history

04

Notice a positive difference in Credit¹

Know more about Rent Reporting

What is Rent Reporting? How does it work?

Are there any fees for Rent Reporting?

What are the eligibility requirements for the Rent Reporting?

How do I apply for the Bright Rent Reporting?

You can trust Bright

Bright safeguards your data

Rated 5-stars by 200,000+ users

24/7 Live Chat Support

Start building credit history today!¹

Apply Now
2025 Bright Capital Inc.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loans are made through Even Financial Corp and its network of financial partners who will determine if you are eligible for a loan independent of Bright. Deposit accounts are provided by Evolve Bank & Trust, Member FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust. Learn more here.  Bright is a financial technology company, not a bank.

1. Payment history has the biggest impact on credit score accounting for 40% of how score is calculated per TransUnion (https://www.transunion.com/credit-score). Bright Builder helps you build payment history that may positively improve your credit score. Credit score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will have a negative effect on your credit score. Products and services subject to state residency and regulatory requirements. Bright Builder is currently not available in all states.

2. Bright reports customer rent history to TransUnion, one of the major credit bureaus. Please note that credit score improvement is not guaranteed, and individual outcomes may vary. Late payments, missed payments, or other defaults on accounts with Bright or other creditors may negatively impact your credit score. Bright does not control credit score calculations, as they are determined independently by the credit bureaus.


3. Personal Loans are provided by Even Financial Corp and its network of financial partners, not by Bright or its partner Banks. Bright does not provide or guarantee any Third-Party Products or Services. To see Personal Loan offers or other offers by referral partners, you will leave Bright Money’s website and see offers provided by Third Parties. Third Parties providing these products or services are solely responsible for them, as well as content on their websites. The display on the Bright Money  platform of any Third-Party Product does not constitute a recommendation by Bright Money. Bright Money may receive compensation from third parties for referrals to these products or their website. These advertised products and services may not be FDIC insured or bank-guaranteed. Check individual offers for applicable restrictions or conditions that may apply.


4. Bright uses standard industry practices to determine our customer satisfaction score. It's a metric used in all kinds of businesses to measure customer service and product quality. Businesses calculate their score by taking the number of satisfied customers (those who rated them 4 or higher) and dividing it by the total number of responses. 


When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.



The product images shown are for illustration purposes only.