How to Add Rent to a Credit Report
Since your credit report is a reflection of your payment history, make sure it represents an accurate picture. While most major creditors supply information to credit-reporting agencies, smaller creditors usually do not. Consider a few easy steps to take to add an unreported account to the three major credit-reporting agencies.
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Things You'll Need
- Computer with Internet access
- Credit report
- Account information (creditor contact information, account number, original balance, current balance, and payment history)
Instructions
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First, get your most current credit report by going online to AnnualCreditReport.com. AnnualCreditReport.com is the official site to obtain your free online credit reports from the three nationwide credit reporting agencies: Equifax, Experian and TransUnion.
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Next, contact your creditor to request that your account and payment history be added to all of the credit-reporting agencies. Provide the creditor with the bureaus' contact information, as well as a record of your payment history and any required personal information. Make it as easy as possible for your creditor to add your account.
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Finally, contact each of the three credit-reporting agencies to request that your unreported debt be added to your credit file. Provide copies of substantiating documentation---never send originals. Keep copies of all correspondence and receipts.
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Tips & Warnings
Add a consumer statement on your credit report to explain or clarify the new debt you are reporting. A consumer statement will remain on your credit report until you request its removal, and lenders might take it into consideration when granting credit.
This is the contact information for the three credit rating agencies:
Equifax Inc.
P.O. Box 740241
Atlanta, GA 30374
(888) 685-1111
equifax.com
TransUnion
2 Baldwin Place
P.O. Box 2000
Chester, PA 19022
(800) 888-4213
transunion.com
Experian
P.O. Box 9595
Allen, TX 75013
(888) 397-3742
experian.com
Credit bureaus are not required to add verifiable debts to your credit report. You might incur expenses in reporting additional debt, so double check the policies of the credit bureaus first.
