For Renters
Your Payments Have Power
- Report your rent payments
- Build real credit history
- Unlock more opportunities
- Get closer to homeownership
RENT TODAY. A BRIGHTER TOMORROW.
Kredit Keys adds your verified rent payments to your credit file, where mortgage underwriters can see them, helping you move closer to homeownership.
Verified Rent HistoryAdded to your credit file
Seen by Mortgage UnderwritersHelps strengthen your profile
No Landlord Action RequiredYou're in control
Your rent can be a step closer to home.
Real People. Real Possibilities.
Whether you’re renting today or planning your future home, Kredit Keys helps you turn where you are into a stronger tomorrow.
Your story
matters here.
Your Payments Have Power
Turn Today Into Tomorrow
Simple Steps. Real Progress.
Turning your rent into a brighter future is simple.
Small steps.
Bigger future.
Link your rental payments in a few minutes. We make it easy and secure.
We report your on-time rent payments to help you build a stronger credit profile.
A stronger credit profile opens doors — to better loan options and a brighter future.
Simple Plans. Bigger Opportunities.
Get the credit support, tools, and guidance you need — at a price that fits your goals.
$49/mo
$49/month
$99/mo
$99/month
$149/mo
$149/month
REAL RESULTS, BRIGHTER FUTURES
Real people are turning everyday rent payments into meaningful progress toward a stronger financial future.
Kredit Keys helped me improve my credit and get closer to my dream home. The process was simple and stress-free!
I never thought my rent payments could actually help my future. Now I feel more confident about buying a home.
The support and guidance from the team made all the difference. Kredit Keys is more than a service — it’s a real opportunity.
MORE THAN CREDIT. A BRIGHTER TOMORROW
Build momentum today and create more possibilities for the life you are working toward.
Turn your rent payments into positive credit history.
Qualify for better loans and lower interest rates.
Open doors to more possibilities in life.
Feel confident about your financial future.
Our team is here to guide you.
Create more stability for you and your family.
TRUSTED PARTNERS
Trusted by leading education, technology, and institutional partners.
QUESTIONS & ANSWERS
Your questions deserve clear answers.KREDIT KEYS INSIGHTS
For years, rent was the biggest bill you paid that your credit report never saw. That has changed, and rent history is becoming more visible to mortgage lenders.
Desktop Underwriter,
since 2021
Fannie Mae's automated underwriting system looks for a history of on-time rent and can factor 12 months of it into its credit risk assessment. A borrower who might have missed an approval on credit alone can get a stronger result because the rent history is there to be seen.
Loan Product Advisor,
since 2022
Freddie Mac's underwriting system also considers on-time rent payments when it assesses a purchase loan, giving first-time buyers credit for the housing payment they already make.
VantageScore 4.0, opened
to lenders April 2026
In April 2026 the Federal Housing Finance Agency cleared lenders to use VantageScore 4.0, a score that counts on-time rent, on loans sold to Fannie Mae and Freddie Mac. It is now open to every approved lender, and FICO 10T, which also reads rent data, is next in line.
HOW IT WORKS
Here's exactly what each service includes and how it helps you move forward.
Up to two years of back history. The rent you have already paid at your current lease, verified and added to your file, so you start with a track record instead of a blank line.
One year of ongoing reporting. Each on-time payment for the next 12 months keeps building the tradeline while you get ready to apply.
Included in both Basic and Plus.
One full round from our Monthly Credit Builder. The same credit cleanup service our monthly clients use, with your first round built into Plus.
Unlimited items in the round. We do not cap how many accounts or letters go out.
All three major bureaus. Equifax, Experian and TransUnion, because a mortgage lender pulls all three.
Anything derogatory. Collections, charge-offs, late payments, repossessions, public records and any other negative item that is inaccurate, incomplete or that the bureau cannot verify.
Tools to watch your credit. You can monitor your reports and follow what changes as the bureaus respond.
Keep going if you need to. The Monthly Credit Builder is month to month, so you can add further rounds with no long contract.
Plus only.
Inquiries that did not end in an approval. Hard pulls sitting on your report with no account to show for them, each one costing you points.
All three major bureaus. Every unwanted inquiry is addressed at Equifax, Experian and TransUnion, not just one report.
Selective by design. We target only inquiries that are not attached to an open revolving or installment account, personal or business, so your legitimate accounts are never touched.
Built for speed. In some cases inquiries have come off in as little as 7 days, which matters when a loan application is close. Timing varies and removal is not guaranteed.
Handled for you. We review each inquiry with you, then prepare and manage the disputes start to finish.
Plus only.
If you already talk to renters and future homebuyers, you can refer them to Kredit Keys and earn a commission on every client who enrolls. You never handle credit files or disputes. We do the work; you make the introduction.
Earn commissions
Paid after the client signs and pays. Full commission details are shared when you apply.
Send the request below with “Affiliate” selected. Tell us who your audience is and how you reach them.
You receive a personal tracking link, a one-page flyer for both plans, and short scripts you can use in person or online.
Your referrals get the free credit audit, Key Coach and a written agreement. When a client enrolls in Basic or Plus, the commission is yours.
Affiliates are independent and paid under a written affiliate agreement. Affiliates may not promise any score increase, item removal or loan approval, and must tell their audience that they are compensated for referrals.
KREDIT KEYS MOBILE APP
Manage your account, track your progress, get updates, and stay connected to your Kredit Keys journey from your phone.
GET THE KREDIT KEYS APP
Manage your account, track your progress, get updates, and stay connected to your Kredit Keys journey from your phone.
Since 2007 we have helped renters become owners. Credit is the first door, not the only one, so we walk with you through all three.
Kredit Keys puts up to two years of rent history on your report, and Plus challenges collections, charge-offs, late payments and stray inquiries before an underwriter looks.
We introduce you to a mortgage lender suited to your timeline, budget and credit, and stay with you through the approval.
We help you find and apply for down payment assistance you may qualify for, including grants and first-time buyer programs where you plan to buy.
Your four answers are ready. Add your details and choose a plan; we will follow up about the next steps. This is a request, not a purchase.
Earn commissions
