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Rent reporting puts the rent you pay on your credit file. Each month we tell Experian, Equifax and TransUnion about the rent you paid, so lenders can see it, in the same way they see a loan or a credit card.

Read more: Rent reporting: how your rent can count on your credit file

All three of the UK’s main credit reference agencies: Experian, through the Experian Rental Exchange, Equifax and TransUnion. Each lender chooses which agencies it checks, so with your rent at all three, it is there whichever file they look at.

It turns your rent, usually your biggest monthly bill, into credit history. Experian counts reported rent in your Experian credit score, and Equifax and TransUnion add it to your credit files, so lenders see every month of rent you have paid, whichever agency they check. That gives them a fuller picture of you when you apply for a mortgage, a credit card or a phone contract, and it helps confirm who you are and where you live.

Read more: Does paying rent build credit?

Most landlords and letting agents do not report rent. A loan or a credit card reaches your credit file on its own. Rent only gets there if someone reports it for you.

Read more: Rent and your credit file: how renting affects your credit score

Each month we send your name, date of birth, rental address, tenancy details and the date and amount of each rent payment. Experian, Equifax and TransUnion each add it to your credit file, where lenders can see it. Our Privacy notice explains how we handle your data.

No. Your landlord does not need to agree to anything or do anything, and we never contact them.

Read more: Do you need your landlord's permission for rent reporting?

No. Keep paying exactly as you do now, by standing order, bank transfer or Direct Debit. We see the payment in your bank account and report it for you.

You need to be 18 or over, rent a home in the UK, and pay your rent from a UK bank account you can connect through open banking.

Yes. We report rent you pay to a private landlord, a letting agent, a housing association or the council.

Read more: Rent reporting for council and housing association tenants

Your landlord, letting agent, housing association or council, as rent for the home you live in. Money you send to a friend or family member that is not rent under a tenancy does not count.

Read more: Rent reporting if you pay a letting agent or a housemate

Yes. We connect through TrueLayer, which is authorised by the Financial Conduct Authority. The connection is read-only: we can see your transactions, we cannot move money, and we never see your bank login.

Most UK banks and building societies, through open banking. You choose your bank on TrueLayer’s screens when you sign up, and confirm in your bank’s app or website.

Open banking asks you to confirm every 90 days that we can still see your account. We email you before access runs out, and you reconnect from your account in a few taps.

In your account, choose Change bank on your bank and connect the account you now pay rent from. We find your rent there from then on.

We look in your connected account for regular payments that look like rent, and you pick the one that is your rent. After that, we look for it every month around the day you usually pay.

Let us know at [email protected], and we'll work it out.

Read more: Why can't we find your rent payment?

We did not see your rent leave your account that month, so we reported nothing for it. The months we have already reported stay on your file. If your rent changed, or you paid from another account, tell us so we can find it again.

We tell Experian, Equifax and TransUnion about your rent every month. When a month appears, and how it is shown, is up to each agency, but it usually takes just a week or two.

Read more: How long does rent reporting take to show on your credit file?

Email us at [email protected] with the new amount or date, so we keep finding your rent each month.

Your rent record in your account shows every month we have reported. You can also check your Experian, Equifax and TransUnion credit files at no cost. If anything does not match, tell us and we will put it right.

Read more: How to see your rent on your credit report

£4.99 a month, or £49.99 a year, which gives you 2 months free.

You pay nothing until we find your rent. Then you choose a plan and pay for your first month or year. Your plan renews automatically until you cancel.

By debit or credit card, or with Apple Pay or Google Pay where your device supports them. Payments go through Stripe, so we never see or store your card details. We do not take PayPal at the moment.

Yes. Open your account, choose Manage my plan and switch plan there.

Open your account and choose Manage my plan. You can change your card and download every receipt there.

Stripe tries again over the next few days, and we let you know by email. Update your card in your account so your reporting carries on. If the payment still fails, your plan ends and we stop reporting.

Cancel at any time in your account, under Manage my plan, or email us at [email protected]. Cancel within 14 days of your first payment and we refund everything you paid.

Your plan runs to the end of the month or year you have paid for, and we keep reporting until then. We do not refund part of a month or year. If you cancel within 14 days of a yearly renewal, we refund that payment in full.

The months we have reported stay on your file. They are a true record of rent you paid, and the agencies normally keep them for six years.

In your account, choose I have moved out on your home, then Add my new home and confirm your new rent. Your plan and your bank stay as they are. The months we have reported stay on your file, and we carry on with your new rent.

Enter your email on the log in page and we email you a 6-digit code. There is no password to remember.

Report My Rent is a trading name of Wollit Ltd, a company registered in England and Wales (number 10687003) and registered with the Information Commissioner’s Office. Wollit reports your rent to Experian, Equifax and TransUnion.

Email us at [email protected]. We delete what we do not need to keep, as our Privacy notice explains. Rent already reported is held by Experian, Equifax and TransUnion, so ask them about it directly.