Overview - Rent Reporting & Rewards
Rent Reporting & Rewards, powered by Piñata, gives you credit for paying rent on time through RentSpree. Your on-time payments are reported to Experian, Equifax, and TransUnion to help build your credit history, and each one earns points you can spend on rewards. It's included with RentSpree at no cost.
How rent reporting works
Reporting is positive only: on-time payments are reported, and late or missed payments are never reported, so they can't hurt your credit. Each month's payment is reported on the 15th of the following month. It can take 30–60 days for the account to appear on your credit report, and up to 60 days for your score to update. We can't promise a specific score change, because your score depends on many factors.
When you join, up to 24 months of your past on-time rent payments can also be reported, called back-reporting. This doesn't apply if you're moving over from Credit Builder, because that history is already on your credit report.
How you earn points
You get 100 welcome points when you join, then 60 points for each on-time rent payment, added on the 5th of the following month. Your first prorated month doesn't earn points. Within your first week, you'll also get a $30 discount gift card by email to use at a local business you choose. See how to redeem your $30 discount gift card. Spend points on gift cards, home items, and giveaway entries. See how to use your rewards points.
Who can join
You can join if you pay rent through RentSpree with a monthly rent between $100 and $15,000 and a due date on or before the 28th. Properties in US territories, such as Puerto Rico, aren't eligible. We'll ask for your date of birth if it's not on file, because the credit bureaus need it to match your payments to your credit file. To get started, see how to turn on Rent Reporting & Rewards.
Turning off rent reporting
You can stop rent reporting anytime and keep your rewards. See how to turn off rent reporting.
If you used Credit Builder
Rent Reporting & Rewards replaced Credit Builder. Credit Builder members who didn't opt out moved over automatically on November 1. Your Credit Builder account with TransUnion closes after your October rent is reported, and your on-time history stays on your credit report as a closed account. Your November rent is the first reported through Rent Reporting & Rewards. The next time you log in to RentSpree, you'll be asked to accept the Rent Reporting & Rewards terms.
Emails from Piñata
Piñata sends RentSpree-branded emails about your account: a welcome email, an email each time your rent is reported, one when your points are added, one when you redeem a reward, and one if you turn off rent reporting.
Who to contact
For questions about points, rewards, or what's on your credit report, email Piñata at support@pinata.ai. For questions about paying rent, contact RentSpree support.