Frequently Asked Questions

Credit scores consider several factors — payment history, amounts owed, length of credit history, types of credit, and new/recent credit. Because payment history is the largest factor, adding a record of on-time rent payments can help your score over time. Some residents see a small, temporary dip when a new rent tradeline is created, but consistently reported payments typically improve your credit. Changes may take a few weeks to show up, and three to six months to realize the full impact. UpCredit only reports on-time payments — late or missed payments are never sent to the bureaus.