Build Credit History with Rent payments

Pay Rent and Utilities on-time
Get reported to the Credit Bureaus
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Rated 4.8^ on App Store & 4.7^ on Play Store
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Why Rent Reporting?

Build Credit History with the rent you paid

No additional effort required. See terms and conditions

Get Credit for up to past 2 years rent

Make your every effort counts

Improve chances of mortgage approval²

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 Bureaus

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 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. 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.

2. You must apply for an unsecured line of credit separately from the Bright Builder card. Approval is subject to credit underwriting and other factors. Bright’s line of credit is currently not available in all states.3The refundable deposit you make when opening your account is important because it means you can open an account without a credit check. Your security deposit is returned to you once your credit card account is closed and the balance is paid in full. We may use your security deposit to expedite the pay-down of your outstanding balance. Please refer to the Cardholder Agreement for additional details related to the security deposit. It can take up to four weeks before you receive your security deposit back, allowing for processing time

^Based on Apple Appstore, Google Play store, and TrustPilot ratings as on June 2024.

The product images shown are for illustration purposes only.