RBP-Credit-Building_Illustrations_Credit-Building-PM-Hero

RBP-Credit-Building_Illustrations_Credit-Building-Residents-Hero

RBP-Credit-Building_Illustrations_Credit-Building-Investors-Hero

I'm a property manager

I'm a resident

I'm an investor

Boost residents’ scores… and on-time payments

Credit Building attracts better residents, then incentivizes them to pay on time every time.

Get a demo Learn more

Get credit where rent’s due

Second Nature’s Credit Building allows you to add your largest monthly expense—your rent payments—to your credit report.

Learn more

Say goodbye to late rent checks

When your property comes with positive payment credit reporting, you get financially-minded, reliable residents who stay longer. Now that’s a win.

Learn more

Minimize delinquency without lifting a finger

Drive higher-quality applications, more on-time payments, and increased resident satisfaction with a fully-managed program.

Attract high-quality, financially savvy residents

Studies show that residents are 67% more likely to choose a rental home with credit reporting than one without°. Bring in qualified, financially aware applicants who will pay on time and stay longer.

Increase on-time payments

A 2024 TransUnion study* found that 85% of renters would be more likely to make on-time payments if they knew it would be reported to credit bureaus. Plus, with up to 24 months of back-reporting, residents immediately see the benefit of paying on time.

Become a trusted partner to your residents

Move beyond being just a rent collector. With Credit Building, you become a partner who helps set your residents up for long-term financial success.

Fully managed, comprehensive program

Unlike most rent reporting services, we report to all three major credit bureaus for all adults on the lease, up to 10 individuals. With sample lease terms and full program management by Second Nature, you can expect a light lift for your team.

How it works

RBP-Credit-Building_Illustrations_Enrollment at Lease

RBP-Credit-Building_Illustrations_Maximum Positive Impact

RBP-Credit-Building_Illustrations_On time Payments

RBP-Credit-Building_Illustrations_Flexibility when residents move

Enrollment at lease signing

Once credit reporting is added to the lease and the lease is signed, all residents over the age of 18 are automatically enrolled, up to 10 individuals per residence. There’s no additional enrollment or sign-up necessary.

Maximum positive impact

Second Nature offers up to 24 months of back-reporting, so residents who have already been paying on time at their current residence may get an immediate credit boost.

On-time payments = long-term growth

As residents pay their rent on time, we report each payment to all three major credit bureaus. After approximately 90 days, residents will see the impact of their on-time payments on their credit profile. On average, residents see up to a 42-point boost to their credit score.

Flexibility when residents move

If a resident moves to a different home managed by the same property management company, we can transfer their payment history in order to maintain a single, uninterrupted line on their credit report.

What I like most about the credit building is that we are rewarding residents for paying their rent on time.

Angela Bailey

One Door Realty

Meet the rest of our benefits

Create a Triple Win for residents, investors, and property managers.

See all benefits

Credit Building FAQs

A credit building service is a program designed to help renters boost their credit scores by reporting on-time rent payments to the major credit bureaus. Rent is typically the largest monthly payment a renter has, but it rarely gets reported to credit bureaus. Our service tracks and reports these payments, providing residents with an opportunity to build credit just by paying their rent on time.
Offering a credit reporting service–or, as we call it, Credit Building–can be a game-changer for property managers. Not only does it incentivize on-time rent payments, but it also adds value to your rental package. Residents appreciate the chance to build credit by paying rent, aligning their financial goals with timely payments, and making the entire rent collection process smoother.

Once rent payments are reported, they will appear as a new tradeline on a resident's credit report, typically within 90-120 days of their first rent payment through the RBP, and monthly thereafter. This tradeline will reflect timely rent payments throughout their residency.
Credit score changes may vary based on residents’ existing and ongoing credit profile.

Please note: The credit building service reports under “tradeline 29” for rental payments, not as a loan like other credit entries. Be aware that some third-party credit report sites may display inaccurate information. We recommend that residents review their credit report directly with the credit bureaus, Experian, Equifax, and TransUnion, for accuracy.
If the resident was not previously enrolled in the Resident Benefits Package under a different address, no. If they are enrolled in the RBP and then change addresses during enrollment, yes. Our service provider has permission from the bureaus to keep an unbroken tradeline if the renter remains with the same PMC, as generally each address would create its own separate tradeline.
No. Our service provider will open a single credit tradeline 90-120 days after enrollment in order to bulk report the initial three to four months of on-time rent payments that are made by residents during their lease to minimize the effect of opening a new tradeline without payment history, and then monthly thereafter. There are not multiple tradelines being opened during this process. All rent payments are reported to the three major credit bureaus (Transunion, Equifax, and Experian) as payments made within the rental agreement, rather than a loan. However, some third-party services may list the rent tradeline as a loan. On credit reports obtained directly from the bureaus, this should be listed as a rental agreement with the tradeline named “PINATA RENT”.

A credit building service is a program designed to help renters boost their credit scores by reporting on-time rent payments to the major credit bureaus. Rent is typically the largest monthly payment a renter has, but it rarely gets reported to credit bureaus. Our service tracks and reports these payments, providing residents with an opportunity to build credit just by paying their rent on time.

Our credit building service covers everyone in the unit that’s listed on the lease and is at least 18 years of age, for up to 10 individuals for TransUnion and Equifax, and up to 6 individuals for Experian. As long as the full rent amount is received on time, everyone in the unit will see their credit scores improve. It’s that simple!
Once rent payments are reported, they will appear as a new tradeline on a resident's credit report, typically within 90-120 days of their first rent payment through the RBP, and monthly thereafter. This tradeline will reflect timely rent payments throughout their residency.
Credit score changes may vary based on residents’ existing and ongoing credit profile.

Please note: The credit building service reports under “tradeline 29” for rental payments, not as a loan like other credit entries. Be aware that some third-party credit report sites may display inaccurate information. We recommend that residents review their credit report directly with the credit bureaus, Experian, Equifax, and TransUnion, for accuracy.
If the resident was not previously enrolled in the Resident Benefits Package under a different address, no. If they are enrolled in the RBP and then change addresses during enrollment, yes. Our service provider has permission from the bureaus to keep an unbroken tradeline if the renter remains with the same PMC, as generally each address would create its own separate tradeline.
No. Our service provider will open a single credit tradeline 90-120 days after enrollment in order to bulk report the initial three to four months of on-time rent payments that are made by residents during their lease to minimize the effect of opening a new tradeline without payment history, and then monthly thereafter. There are not multiple tradelines being opened during this process. All rent payments are reported to the three major credit bureaus (Transunion, Equifax, and Experian) as payments made within the rental agreement, rather than a loan. However, some third-party services may list the rent tradeline as a loan. On credit reports obtained directly from the bureaus, this should be listed as a rental agreement with the tradeline named “PINATA RENT”.

A credit building service is a program designed to help renters boost their credit scores by reporting on-time rent payments to the major credit bureaus. Rent is typically the largest monthly payment a renter has, but it rarely gets reported to credit bureaus. Our service tracks and reports these payments, providing residents with an opportunity to build credit just by paying their rent on time.

Once rent payments are reported, they will appear as a new tradeline on a resident's credit report, typically within 90-120 days of their first rent payment through the RBP, and monthly thereafter. This tradeline will reflect timely rent payments throughout their residency.
Credit score changes may vary based on residents’ existing and ongoing credit profile.

Please note: The credit building service reports under “tradeline 29” for rental payments, not as a loan like other credit entries. Be aware that some third-party credit report sites may display inaccurate information. We recommend that residents review their credit report directly with the credit bureaus, Experian, Equifax, and TransUnion, for accuracy.

Ready to power up rent payments?

Get a demo

°TransUnion, 2019
*TransUnion, 2024
†DC Housing Authority, 2022

Boost residents’ scores… and on-time payments

Get credit where rent’s due

Say goodbye to late rent checks

Minimize delinquency without lifting a finger

A better financial future is ahead of you—and your roommates

Attract reliable residents who pay on time and stay longer

How it works

Enrollment at lease signing

Maximum positive impact

On-time payments = long-term growth

Flexibility when residents move

What I like most about the credit building is that we are rewarding residents for paying their rent on time.

Angela Bailey

Meet the rest of our benefits

Group Rate Internet

Renters Insurance Program

Resident Rewards Program

Air Filter Delivery

On-Demand Pest Control

Move-In Concierge

Identity Protection

Credit Building FAQs

What exactly is a credit building service for renters?

How do rent reporting services differ from other credit solutions?

Why should property owners consider credit reporting services?

How long does it take for residents to see a change in their score?

Can a resident back report two addresses from the same property management company?

Can a resident pay a full year upfront and receive credit reporting?

Are you posting new inquiries every time rent is reported?

Credit Building FAQs

What exactly is a credit building service for renters?

How do rent reporting services differ from other credit solutions?

If there are multiple people paying rent, who may get the credit score boost?

How long does it take for residents to see a change in their score?

Can a resident back report two addresses from the same property management company?

Can a resident pay a full year upfront and receive credit reporting?

Are you posting new inquiries every time rent is reported?

Credit Building FAQs

What exactly is a credit building service for renters?

How do rent reporting services differ from other credit solutions?

Why should property owners consider credit reporting services?

How long does it take for residents to see a change in their score?

Can a resident pay a full year upfront and receive credit reporting?

Ready to power up rent payments?