Rent-Payment Credit Reporting

How opted-in tenants can build credit with on-time rent, and what to expect from reporting to the bureaus.

Where offered and where a tenant opts in, Seayora can report rent-payment information to major credit bureaus so on-time rent can help build credit.

How it works

The tenant opts in and completes verification.
Reporting requires an active subscription.
Rent-payment data is reported through Seayora or its partners.

What to expect

Impact on any credit score varies by individual history and other factors, and no specific outcome is guaranteed. As a furnisher, Seayora maintains reasonable procedures and honors dispute rights under the FCRA. Reporting may pause if verification fails or a subscription lapses.

Enrolling a tenant

The tenant opts in themselves — landlords cannot enroll a tenant without their consent. Enrollment usually includes a short identity-verification step before reporting begins.

If a tenant pays late after enrolling

Reporting reflects actual payment history, including late payments, the same way any credit furnisher would report it. This is worth explaining to tenants up front so enrollment is an informed choice, not a surprise later.

Frequently asked questions

Does credit reporting cost the tenant anything?

Reporting typically requires an active subscription — check current pricing in the product, since the tenant or landlord may be responsible for it depending on how it’s configured.

Will old rent payments be reported retroactively?

Retroactive reporting, if offered, depends on what payment history is available and verified at the time of enrollment — check the enrollment flow for what’s included.

Can a tenant un-enroll from credit reporting later?

Yes — enrollment can be turned off going forward; reach out to support for the specifics of stopping reporting on an active enrollment.