One-time setup fee: $94.95 applies to all plans to cover identity verification and reporting setup.
Prefer paying over time? You can split the setup fee during checkout (if available).
Compare all features
Feature
Student
Monthly
Annual
Reported to Experian
✓
✓
✓
Rent history eligibility
Up to 12 mo
Up to 24 mo
Up to 24 mo
Credit tips & education
✓
✓
✓
Spouse / roommate discount
—
✓
✓
Dispute letter templates
—
✓
✓
Priority support
—
—
✓
Expedited reporting setup (3–5 days)
—
—
✓
Cancel anytime
✓
✓
✓
Frequently Asked Questions
Pricing & Subscriptions
Yes. You must choose either a Monthly Plan ($13.95/month) or an Annual Plan ($131.40 billed annually) to have your rent reported. This is required to submit and maintain your rental tradeline with Experian RentBureau.
Yes. Every user pays a one-time signup fee of $94.95, regardless of the subscription plan. This covers account setup, verification, and onboarding costs.
Yes. You can split the $94.95 setup fee into three payments of $31.65 instead of paying all at once.
Both plans include monthly reporting to Experian, access to a personal credit specialist, educational tools, and optional add-ons. The Annual Plan also includes expedited reporting, priority support, and a locked-in discounted rate.
Yes. You can upgrade to the Annual Plan anytime from your dashboard. Annual billing begins once your current monthly cycle ends.
No. Checking eligibility and enrolling does not require a credit pull.
No landlord contact is required for eligibility. Any verification needed for reporting is handled through your secure onboarding steps.
After setup and verification, reporting begins according to your plan and processing timelines. Annual includes expedited setup (3–5 days).
Yes. You can cancel anytime. Your plan terms and any completed billing cycles still apply.
Add-Ons & Extra Features
No. Add-ons are optional upgrades and must be paid separately. They are not included in the base subscription or setup fee.
The $149 Backdated Rent History add-on lets you report up to 24 months of past rent payments, which can strengthen your credit profile by increasing account age and payment history.
Rush Processing is a $29 add-on that prioritizes your file and submits it to Experian within 48 hours after verification instead of the standard 5–10 business days.
No. Add-ons are one-time purchases and do not automatically renew.
All payments are final. We do not offer refunds on setup fees, subscriptions, or add-ons.
