Build credit with your rent

Report your current and past rent payments to Experian, Equifax and TransUnion with Boom

$10 off the enrollment fee for Latchel users
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Boom users have seen their scores increase by
over 105 points

with an average increase of over 28 points in 2 weeks

Boom reports
to all 3 bureaus

So that you get the maximum credit impact.

how it works

how it works

in 2 minutes

Verify your identity, add your rent details, and connect the bank account that your rent is paid from.


We report your positive rent payment

Our tech goes to work to verify your data and report your payments to all 3 credit bureaus. The majority of Boom users are verified in less than 24 hours and reported thereafter. If there are issues, you’ll receive a notification to resolve it.


See your credit score impact

Your credit report will be updated within as few as 10 days from the time of checkout. Boom continues automatically verifying and reporting your payments on a monthly basis (if you signed up for Ongoing Reporting).

Thousands of renters trust
Boom to report their rent


No-brainer pricing

The most affordable way to build credit with your rent.

Boom subscription

/ month

Billed $36 annually

Get started

Ongoing rent reporting from this month forward

Positive payments only

Reports to Experian, Equifax and TransUnion

Continue reporting even if you move

Credit score included

Past reporting

one time

Report up to 24 months of past rent payment history for maximum impact


Boom only reports your on-time payments (within 30 days of due date) that we find in your payment data. Delinquent payments aren't reported.

Securely link bank account

Boom uses an encrypted third-party service to link your bank account and automatically detect and verify rental payments.

Works with (almost)
all types of rent payments

Boom works with all payment types except cash, money orders and cashiers checks. Boom accepts Zelle, Venmo, Cash App, check, ACH, property management portal, and more.

No hard or soft credit pull

Enrolling never requires any credit pull that could negatively impact your credit.


How far back can I report?

Boom can report up to 24 months of past rent payments from your current residential lease, as long as you're still renting there.

What is a rental tradeline?

A rental tradeline is a line-item on your credit report that reflects your rent payment history. Rent payments are not automatically included on your credit report, so a third party is needed to report them. Boom is a credentialed rental payment data furnisher with the three major credit bureaus. Learn more about rental tradelines here: 

Will this decrease my credit score? What if I missed a rent payment or two? 

With Boom, we only report positive payment history. You can still use Boom if you’ve missed a couple rent payments or have been late paying rent. There is no credit check, no hard inquiry — just positive-only payment reporting and a 7-day money-back guarantee. 

How long does it take for my rental payments to be reported? 

Your credit report will be updated in as few as 10 days from the time of checkout. While Boom verifies customer data in as few as 48 hours, the credit bureaus can take longer to furnish the data on the credit report. Given the various timelines of the credit bureaus, we suggest waiting up to 30 days from when we verify your customer data to see your credit report updated. 

What if I have a roommate?

Your roommate can use Boom too! All residents on the lease are eligible for BoomReport as long as there is a formal lease agreement and they are on the lease. All users are required to enroll with their own BoomReport account and all residents need to link a bank account which they use to pay their rent (even if it's to a roommate via Venmo or Cash App). Learn more here: 

See all

Boom can also help you

Boom can also help you

Split your rent

Rent due on the 1st but get paid on the 15th? With Boom, split your rent into installments for a small fee. Improve cashflow, save money, and build credit in the process.

Coming soon

Find your next rental

Browse over 500 popular rental groups with Boom. With over 6 million active users, Boom hosts some of the largest rental, subletting, and roommate communities in the world.

Explore our communities

Track your credit score

Shopping for a car, apartment or credit card? Your credit score matters more than you think. Subscribe and track your credit score with Boom.

Ready to take the next step to better credit?

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