What RentTrack does

RentTrack is a credit-building fintech platform that reports residential tenants' on-time rent payments to the three major U.S. credit bureaus (Experian, TransUnion, and Equifax), enabling renters to build credit history through their largest monthly expense. Founded in 2013 and headquartered in St. Louis Park, Minnesota, the company operates a B2B2C go-to-market targeting property management companies through direct enterprise sales; property managers invite their residents to subscribe, and tenants can also self-register through the my.renttrack.com portal. Since 2022, RentTrack has operated as a division of Self Financial, Inc., a credit-building fintech that also owns sister brand LevelCredit.

The platform uses proprietary identity verification protocols and operates as a certified data furnisher under the Fair Credit Reporting Act (FCRA), with PCI-compliant infrastructure, state-of-the-art cryptographic algorithms, and SSL encryption. Core product features include the base rent reporting service, a 24-Month Lookback add-on for historical payment reporting, and credit score monitoring with real-time alerts. A California Compliance Toolkit addresses SB-1157 (effective July 2021) and AB-2747 (effective April 2025) state mandates. The company integrates with 37+ property management and accounting software platforms — including Yardi, RealPage, AppFolio, Buildium, MRI, and QuickBooks — to automate data imports and reduce onboarding friction.

Revenue is generated through three streams: recurring monthly tenant subscriptions, recurring monthly fees invoiced to property managers/landlords based on enrolled units, and one-time fees for ancillary credit services (full credit reports, score monitoring). The company claims nationwide coverage across all 50 U.S. states and positions itself as the pioneer and multi-family leader in three-bureau rent reporting. BBB accreditation and PCI/FCRA compliance underpin its consumer-trust positioning. Leadership comprises co-founders Matthew Briggs (founder & CEO) and Darryl Eaton (founder), with Kristian Lund as COO.

Name

RentTrack

Legal name

RentTrack, Inc.

Website

https://renttrack.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

RentTrack is a credit-building fintech that reports residential rent payments to all three major U.S. credit bureaus (Experian, TransUnion, Equifax), serving property management companies via B2B2C distribution and their tenant subscribers nationwide across all 50 states as a division of Self Financial, Inc.

Ownership category

akta.pro rank

Headquarters

HQ city

Saint Louis Park

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Tenant Subscription: RentTrack charges tenants/residents a subscription fee for rent payment reporting services. Residents pay a monthly subscription to have their rent payments reported to credit bureaus. The subscription can also include optional services such as reporting up to 24 months of past rent payments for an additional one-time fee.
2. Property Manager Fees: Property management companies pay fees to RentTrack for access to the credit reporting platform. The Terms of Service state that 'Landlords agree to pay The RentTrack Fees as outlined during enrollment for Services' and 'RentTrack invoices Landlords monthly for the previous month's activity.' Property managers can also optionally generate ancillary revenue through the program.
3. Additional Credit Services: Tenants may purchase additional credit services beyond the standard rent reporting subscription, including full credit report purchases and credit score monitoring services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

RentTrack operates a SaaS rent-reporting platform that furnishes residents' on-time rent payments to all three major U.S. credit bureaus (Experian, TransUnion, Equifax) as positive monthly tradelines. The platform is sold primarily to multifamily and single-family property management companies via enterprise contracts, enabling bulk enrollment and integration with 30+ property management systems, while residents subscribe directly to credit-building, score-monitoring, and 24-month rent-lookback services.

Product overview

RentTrack is a single unified product platform for rent payment credit reporting. The core RentTrack service enables property managers to report tenant rent payments to all three credit bureaus (Experian, TransUnion, and Equifax), while renters can subscribe to have their on-time payments reported to build credit. The platform is offered as a turn-key solution for property managers with optional add-ons including 24-Month Lookback (for reporting past rent payments) and Credit Score Monitoring (for residents to track their credit). A California Compliance Toolkit is available for property managers in California to meet state rental reporting laws.

Differentiator

Problem solved

Functional benefit

Products and services

• RentTrack Rent Reporting Platform A SaaS platform that reports residents' on-time rent payments to all three major U.S. credit bureaus (Experian, TransUnion, and Equifax) as positive monthly tradelines. The platform is sold primarily to multifamily and single-family property management companies (with bulk enrollment, PMS integrations, analytics dashboards, and ancillary revenue tooling) and is delivered to residents through a self-service subscription portal that includes credit-score monitoring and an optional 24-month rent-payment lookback.

Quantifiable outcome

• RentTrack reports that property managers can potentially increase NOI, lower evictions, and fill vacancies faster by offering credit-building as an amenity.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration38 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Self Financial, Inc.coreStrategic or Co-development Partner · 1 January 2022RentTrack joined the Self Financial family in 2022. Self Financial is dedicated to building new ways to create financial freedom for people with low or no credit. Together, they provide tools and services allowing renters to get the credit they deserve. LevelCredit has also joined Self, expanding the credit-building product ecosystem.
• ExperiancoreTechnology or IntegrationOne of the three major credit bureaus to which RentTrack reports tenant rent payment data. RentTrack is a certified data furnisher with direct reporting relationships.
• TransUnioncoreTechnology or IntegrationOne of the three major credit bureaus to which RentTrack reports tenant rent payment data. RentTrack is a certified data furnisher with direct reporting relationships.
• EquifaxcoreTechnology or IntegrationOne of the three major credit bureaus to which RentTrack reports tenant rent payment data. RentTrack is a certified data furnisher with direct reporting relationships.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• LevelCredit: LevelCredit is the closest direct competitor to RentTrack, offering rent payment reporting to credit bureaus. Notably, LevelCredit is also a division of Self Financial (acquired alongside RentTrack in the same Self Financial ecosystem), making this an internal portfolio peer rather than an external competitor.
• Esusu: Esusu is a direct competitor offering rent reporting and credit building to property managers and residents. It also bundles rental payment data for financial institutions, competing head-to-head with RentTrack in the multifamily segment and increasingly in affordable housing.
• Rental Kharma (now part of Self): Rental Kharma was an early rent reporting competitor that joined the Self Financial family, similar to RentTrack and LevelCredit. While branding has consolidated, it represents historical direct competition in the same category.
• Bilt Rewards: Bilt Rewards is a tenant loyalty platform that enables residents to pay rent via credit card and earn points, while also reporting on-time payments for credit building. It competes for the same renter demographic and is increasingly used by large multifamily operators, representing both a partner and competitive threat to RentTrack.
• Self Financial: Self Financial is the parent company of RentTrack, offering Credit Builder Accounts, secured credit cards, and other credit-building products. As a strategic acquirer and platform, it determines RentTrack's product roadmap and capital allocation.
• Piñata: Piñata is a rent rewards and credit-building app aimed at renters, with a focus on timely rent payments and credit score tracking. It targets a similar renter persona and competes with RentTrack on tenant-side credit building.

Broad incumbents

• TransUnion SmartMove: SmartMove is TransUnion's tenant screening service that landlords use to evaluate applicants. While it focuses on tenant screening rather than ongoing rent reporting, it competes for landlord wallet share and relationship ownership with multifamily property managers.
• Experian Boost: Experian Boost is a free credit-score enhancement product from one of the three major bureaus that incorporates utility and telecom payment data. While not a rent reporter, it represents a bureau-level alternative that could compete with RentTrack's value proposition or change bureau data furnishing economics.
• Zillow Rent Manager / Zillow Group: Zillow operates rental listings and adjacent property management tools. While not a direct rent reporting competitor, its scale and landlord relationships position it as a potential broader competitor if it expanded into credit building or tenant financial services.

Emerging players

• Jetty: Jetty provides deposit alternatives and renters insurance. While focused on security deposits and insurance rather than credit reporting, it operates in the adjacent renter-financial-services space and could expand into rent reporting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/RentTrack
• Facebookfacebook.com/renttrack

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RentTrack