Rent Reporting

What Is Rent Reporting?

Rent Reporting refers to a scheme that informs Credit Reference Agencies whether a tenant has paid their rent on time. They are an initiative developed to help would-be homeowners build up their credit history, as until recently rent payments were completely unreported in the UK.

There are a couple of different ways rent can be reported: some landlords may already be signed up to a scheme, so all you need to do is pay your rent on time every month and this will be reflected on your report. Alternatively, if a landlord is not signed up, some services allow you to pay your rent to them, they will inform Credit Reference Agencies and the rent is then passed on to your landlord.

There are several businesses in the UK that offer rent reporting services, but all require your landlord’s permission beforehand.

Missed and late payments are also reported to Credit Reference Agencies, so your credit rating can be harmed if you do not keep up with rent. Some platforms also allow landlords to see this information if they agree to share rental data, giving the landlords a clearer idea of how reliable a tenant has been at making payments in the past.

At present, all platforms only report rental information to one Credit Reference Agency, meaning that if you apply for credit with a lender that uses a different bureau, your rent payments will not appear on your file.


Q: Is my rent automatically reported to Credit Reference Agencies?

A: Not unless your landlord has enrolled in one of the schemes. If they are not, rent paid will not be reflected on your credit report.

Q: How can I check if my rent is being reported?

A: If rent payments are being reported on your credit file, they will appear on your credit report.

By checking your credit report with checkmyfile, you will be able to see your information from 4 Credit Reference Agencies, not just 1, letting you see what lenders see. If you haven’t already, you can try checkmyfile FREE for 30 days.

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