Rent Reporting to Credit Bureaus

Question	Answer
Why should I report my rent?	If you pay your rent on time every month, reporting your rent to credit bureaus adds positive payment behavior to your credit report.
How does rent reporting work?	Once you enroll in rent reporting through Zillow payments, the following will happen: We’ll identify on-time payments made on our platform (within 30 days of the due date) We’ll report those to Experian and Equifax A new tradeline will mark each on-time payment as a positive credit action We’ll continue reporting your payments monthly as long as you remain enrolled.
What counts as an on-time payment?	Any payment processed on our platform within 30 days of the due date counts as an on-time payment. Should your payment be later than 30 days past due, we will not report that late payment to Experian and Equifax. Our goal is to help you build credit, and you can opt out of this service at any time.
What happens if a payment is late?	Late rent payments won’t be reported to Experian and Equifax via Zillow Payments. However, if you want to build positive credit history, it’s important to consistently pay rent on time so those rent payments can be reported each month.
Will I see a change in my credit score?	Your credit score depends on several factors, including your credit utilization ratio, the mix of credit you currently have open, and your payment history. So, while paying rent on time and having it reported to credit bureaus can positively impact your credit score, it will only ever be one of many factors that affect your credit score. Note: Not all credit scoring models consider rent payment information. If you’re monitoring your credit score, pay attention to credit scores that are designed to incorporate rental data such as VantageScore® 3.0 and 4.0 and FICO® Scores 9 and 10. Please allow at least 30 days for payments to appear on your credit report once you begin reporting rent payments.
What information of mine is Zillow sharing with Experian and Equifax?	To verify your identity and enable reporting of your on-time rent payments, the following data is shared monthly via secure/encrypted systems: Your identifying data (name, address, date of birth) Your lease data Your payment data
Can Zillow see my credit history?	No. We provide your payment data to Experian and Equifax, but we do not do any soft or hard credit pulls on your credit report as part of this service. For instructions on how to view your credit report for free, consider using this service.
Can I opt out of rent reporting?	Yes, you can opt out of this service at any time via your payments dashboard. Please note that at this time we cannot support re-enrollment in this program once you have opted out during your current lease term.
How much does rent reporting cost?	This service is free when using Zillow payments. While many providers charge fees for rent payment reporting (which may include an initial enrollment fee and a monthly subscription fee), we believe consumers should have the opportunity to build their credit at no cost.
I already have great credit. Do I need this?	Even renters with excellent credit can benefit from adding positive payment history to their credit profile. In addition to credit score, potential lenders often look at open tradelines and payment history. If you consistently pay your rent on time, it’s one more indication to a potential lender that you are likely to repay your loan on time.
What happens if I see an inaccurate report on my credit report?	Consumers have the ability to dispute any inaccurately reported payments. Keep in mind that it can take 30-60 days for the bureaus to process data sent to them about your payment history. Disputes can be filed by contacting Zillow Customer Support, as part of the full dispute process which is outlined in our Terms of Use.
Which credit bureaus are my rent payments reported to?	Zillow currently reports to Experian and Equifax.
I’m a landlord. How do I provide this service for my tenants?	This service is available to any consumer who pays rent using Zillow Payments. Any landlord or property manager can provide access to this service by signing up for Zillow Rental Manager and setting up rent payments for their consumer. Once a consumer opts into the service, payments will begin being reported for that lease term. There’s no cost to consumers or landlords for using our payment product. Get started here.
If I opt out of rent payment reporting, can I opt in again in the future?	Once you opt out of Zillow rent payment reporting on a current lease, there is currently no way to opt into the program again. This includes consumers who are automatically unenrolled due to insufficient payment history after 3 months of no on-time payment history.