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What Does Experian RentBureau Do?
Experian RentBureau is the largest and most widely used database of rental payment information, encompassing data on over 26 million residents nationwide. Property management companies and third-party rent reporters send rental payment data directly to RentBureau daily or monthly. This data helps property management companies make informed decisions by reviewing new rental applicants’ payment histories as part of their resident screening services. RentBureau is the first major reporting agency to include positive rental payment data in consumer reports, allowing residents to build credit history by paying rent responsibly.
What Does My Experian RentBureau Report Show?
Your RentBureau consumer report includes information related to your rental history. If your property manager submits rental data to Experian RentBureau, you likely have a report. This report contains details such as:
- Leases you have signed
- On-time rent payments
- Bad check history
- Outstanding balances or rental debts
Positive rental payment behavior recorded in your report can help you find a new place more easily, while negative entries may make it harder to rent.
How Can I Request My Experian RentBureau Report?
Checking your Experian RentBureau report is a good idea, especially if you’re looking to move to a new rental soon. Every 12 months, you can request your rental history report for free directly from a reporting agency. You can check your RentBureau report by mailing in a request form or calling 877-704-4519.
How Can I Dispute My Experian RentBureau Report?
If you find incorrect information on your Experian RentBureau report, you have the right to dispute it. Submit a request for investigation with supporting documents to help RentBureau look into the matter. You can open a dispute by:
- Filling out the dispute form
- Gathering supporting documentation such as canceled checks, utility bills, and legal documentation
- Mailing the forms and documents to P.O. Box 26, Allen, TX 75013 or calling 877-704-4519
What if I Don’t Have an Experian RentBureau Report?
If you have never rented from a property manager or landlord that submits data to Experian RentBureau, you may not have a RentBureau report. To have your positive rental data added to your Experian credit report, consider asking your landlord to opt in to reporting to RentBureau. Your landlord can submit rental data directly or use a rent payment service that works with RentBureau. There may be small fees associated with some of these rent reporting services, which may be your responsibility as the renter.
You may also be able to add your rent payment to your Experian credit report with Experian Boost®. If you pay your rent online to an eligible landlord for a qualifying amount, consider adding it to Experian Boost. You may see an immediate increase in your FICO® Score powered by Experian based on your Experian credit report.
Getting Credit for Paying Rent
Don’t miss the opportunity to get credit for your on-time rent payments. Work with Experian RentBureau to get your rental data reported and verify its accuracy on your report. It could help you find a new apartment more easily or give your credit score a boost.
For any mortgage service needs, call O1ne Mortgage at 213-732-3074. We are here to assist you with the best mortgage solutions tailored to your needs.
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