CreditRentBoost.com

What CreditRentBoost.com does

CreditRentBoost.com is a consumer and small-business credit-building platform operated by 950 Credit, Inc., a privately held financial technology company headquartered in Phoenix, Arizona and founded in 2015. The company reports tenant rent payments — plus utility and cellphone bill payments — to the three major U.S. credit bureaus (TransUnion, Equifax, and Experian) on behalf of renters, homeowners, and young adults seeking to build or rebuild credit without taking on new debt. Customers can self-enroll directly via the website without landlord involvement or a credit check by connecting a bank account through Plaid; AI-enhanced verification then identifies and confirms recurring rent, utility, and cellphone payments from transaction data and submits them as positive tradelines. The product portfolio includes ongoing rent reporting at $6.95/month, past-rent reporting ($59 one-time for up to 24 months), utility and cellphone reporting (free with rent plans), and three tiers of credit monitoring subscriptions ($5.99, $9.99, and $24.99/month).

The business operates a hybrid go-to-market combining direct-to-consumer self-serve enrollment with a B2B landlord and property manager channel priced per unit, plus affiliate commissions of 10–20% for property management companies and white-label hosted enrollment forms. Distribution is augmented by industry association partnerships (AAGLA, SCRHA, EBRHA, AAOC), direct API integrations with property management software platforms (Cozy, Avail, AppFolio, Buildium), and visibility across AI-powered search tools. A wholly owned subsidiary, My Business Credit Boost, extends the model into business funding consulting — connecting 10,000+ businesses with 50+ lenders (including PayPal, Bank of America, American Express, Brex, Stripe, and Navy Federal) for startup funding, working capital, SBA loans, merchant cash advances, and equipment financing, with claimed $2B+ in cumulative facilitated funds. The company claims 100,000+ customers served, 10+ years of operating history, a BBB A+ rating, and operates exclusively in the U.S. domestic market with no disclosed outside institutional investment.

Name

CreditRentBoost.com

Legal name

950 Credit, Inc.

Website

https://creditrentboost.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

CreditRentBoost.com (950 Credit, Inc.) is a Phoenix-based fintech that reports tenant rent, utility, and cellphone payments to TransUnion, Equifax, and Experian, enabling renters and small businesses to build credit via AI-enhanced bank verification, Plaid integration, and a My Business Credit Boost subsidiary.

Ownership category

akta.pro rank

Product category

Credit Building / Financial Technology

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Loan Brokers (6163)

akta.pro primary industry

Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

akta.pro secondary industries

Credit Score Monitoring & Credit Building (FSAGADAE), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Rent reporting service
• Credit building platform
• Utility bill reporting
• Landlord rent verification
• Business funding consulting

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Revenue model

1. Tenant Rent Reporting Subscription: Monthly subscription at $6.95/month for ongoing rent reporting to all three credit bureaus. Reports rent to TransUnion, Equifax, and Experian with free utility and cellphone reporting included.
2. Past Rent Reporting (One-Time): One-time fee of $59 for up to 24 months of past rent history added to credit reports. Includes a second past address at no additional cost. Includes past utilities automatically.
3. Landlord/Property Manager Enrollment: Landlords pay per unit enrollment fees. For 1-9 units: $49/unit initial (12 months). For 10+ units: free initial on-boarding, $3.50/month per unit. Affiliate commissions of 10-20% offered for property management companies.
4. Credit Monitoring Upgrades: Optional paid upgrades: Standard $5.99/month, Premium $9.99/month, Ultimate $24.99/month. Includes daily monitoring, real-time alerts, and ID theft restoration.
5. Business Funding Consulting (My Business Credit Boost): Financial consulting services for business funding including startup funding, working capital, SBA loans, and equipment financing. Partners with 50+ lenders. Revenue derived from loan placement and advisory fees.
6. Expedited Reporting Add-On: $49.99 one-time fee for expedited reporting to TransUnion and Equifax within 3-5 business days instead of standard 5th/15th reporting cycle.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

CreditRentBoost.com, operated by 950 Credit, Inc., is a credit-building platform that reports tenants' monthly rent, utility, and cellphone payments to the three major U.S. credit bureaus (TransUnion, Equifax, Experian) using AI-enhanced bank-account verification through Plaid. It serves individual renters with self-serve enrollment, landlords and property managers through a dedicated portal with property-management-software API integrations, and small business owners through its My Business Credit Boost subsidiary for business funding consulting.

Product overview

CreditRentBoost.com is a service under 950 Credit, Inc. that operates as a credit-building platform offering rent, utility, and cellphone payment reporting to help renters, homeowners, and young adults build credit history. The core product is Rent Reporting ($6.95/month), which reports to all three major credit bureaus using AI-enhanced bank account verification via Plaid, with utility and cellphone reporting included free. Past Rent Reporting ($59 one-time) adds up to 24 months of historical payments as closed tradelines. The product portfolio includes Credit Monitoring at three tiers (Standard $5.99, Premium $9.99, Ultimate $24.99/month) providing varying levels of bureau monitoring and ID theft restoration. A subsidiary, My Business Credit Boost, extends the offering into business funding consulting including startup funding, working capital, SBA loans, merchant cash advances, and various business credit products. The company leverages AI-powered automated payment verification and direct API connections with property management software for landlord integrations.

Differentiator

Problem solved

Functional benefit

Brands

• My Business Credit Boost: A subsidiary providing business funding services including startup funding, working capital, SBA loans, merchant cash advances, and business credit consulting. Part of 950 Credit, Inc.

Products and services

• Rent Reporting Monthly subscription service ($6.95/month) that verifies and reports tenants' rent payments to all three major U.S. credit bureaus using AI-enhanced automated verification of connected bank-account data via Plaid. Includes free utility and cellphone payment reporting to TransUnion. Designed for individual renters seeking to build credit history without taking on debt, with no credit check or landlord involvement required for enrollment.
• Past Rent Reporting One-time product ($59) that retroactively adds up to 24 months of verified past rent payments from up to two past addresses to credit reports as closed tradelines, plus past utility and cellphone reporting to TransUnion. Targeted at renters who have years of on-time payment history not reflected on their credit file.
• Utility Reporting Reports power, gas, water, and cellphone payments to TransUnion to create up to eight tradelines across multiple addresses and providers. Available standalone for homeowners and non-renters and included free with Rent Reporting. Works with major carriers including Verizon, AT&T, T-Mobile, Metro, Cricket, Boost, and Google Fi.
• Credit Monitoring Subscription credit-monitoring and identity-protection service offering Vantage 3.0 score tracking, Equifax credit reports, daily bureau monitoring, real-time alerts, fraud detection, and fully managed ID theft restoration. Available in Standard ($5.99/month), Premium ($9.99/month), and Ultimate ($24.99/month) tiers with increasing tri-bureau coverage.
• My Business Credit Boost Wholly-owned subsidiary of 950 Credit, Inc. providing business funding consulting and credit-building services for small business owners. Connects clients with a network of 50+ lenders (PayPal, Bank of America, American Express, Circle, Brex, Stripe, Navy Federal) for startup funding, working capital, SBA loans, business credit cards, term loans, merchant cash advances, real estate loans, invoice factoring, equipment financing, and operating lines of credit. Revenue is generated from loan placement and advisory fees; subsidiary has facilitated over $2 billion in funds for 10,000+ businesses with an 85% approval rate.

Quantifiable outcome

• Score increases of 20-101 points typical; lower starting scores yield higher increases
• +4 more outcomes

Named customers7 records

Segments6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature5 records

Partnerships

Six partnerships are on record, tiered minor and core.

• AAGLA (Apartment Association of Greater Los Angeles)minorGTM or Marketing PartnerAAGLA is an apartment association partner that promotes rent reporting services to its landlord members. AAGLA logo appears on the Credit Rent Boost website as a trusted partner association.
• SCRHA (Santa Clara County Rental Housing Association)minorGTM or Marketing PartnerSCRHA is a rental housing association partner whose members use Credit Rent Boost services for tenant rent reporting. Logo appears on the website as a partner association.
• EBRHA (East Bay Rental Housing Association)minorGTM or Marketing PartnerEBRHA is a rental housing association partner with members using Credit Rent Boost rent reporting services. Logo appears on the website.
• AAOC (Asian American Owners Coalition)minorGTM or Marketing PartnerAAOC is an association partner representing Asian American property owners who use Credit Rent Boost rent reporting services.
• My Business Credit Boost (Subsidiary of 950 Credit, Inc.)coreStrategic or Co-development PartnerMy Business Credit Boost is a subsidiary of 950 Credit, Inc. that provides business funding services. It has 50+ lender partners including PayPal, Bank of America, American Express, Circle, Brex, Stripe, and Navy Federal. Has delivered $2B+ in funds to 10,000+ businesses.
• PlaidcoreTechnology or IntegrationPlaid provides bank-level secure technology to connect tenant bank accounts for payment verification. Bank login credentials are never seen or stored by CreditRentBoost. Used by thousands of financial apps nationwide.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Esusu: Direct rent-reporting competitor that partners with property managers and landlords to report on-time rent payments to credit bureaus. Targets overlapping customer segments (renters building credit) with similar furnishing infrastructure to TransUnion/Equifax/Experian.
• RentTrack: Pioneer in rent-payment reporting to all three major credit bureaus. Closely aligned product offering targeting renters and landlords with monthly subscription and historical (past rent) reporting at comparable price points.
• LevelCredit: Rent reporting service that reports rent payments to credit bureaus. Competes head-to-head with CreditRentBoost on tenant-initiated enrollment, tri-bureau coverage, and similar pricing tiers.
• Rental Kharma: Earlier entrant in rent reporting that added past-rent historical reporting to credit bureaus. Overlapping business model with CreditRentBoost's monthly subscription and past-rent add-on products.
• Self.inc (formerly Self Lender): Credit-building fintech offering credit-builder loans and rent reporting via its Credit Builder Account. Targets the same underbanked/credit-rebuilder segment with adjacent — and now overlapping — rent reporting functionality.

Broad incumbents

• Experian (Boost / RentBureau): Major credit bureau that operates Experian Boost and has historically reported rent via RentBureau. A vertical incumbent whose bureau relationship and FICO score integration pose a structural threat if they expand direct-to-renter reporting.
• TransUnion Rental Solutions: One of the three credit bureaus CRB reports to. Operates tenant-screening products (SmartMove) and rent data furnishers; broadly incumbent in the same data-and-credit space and a both a partner and competitive risk.

Emerging players

• Nova Credit: Alternative credit data infrastructure company converting non-traditional payment data (rent, utilities, telco) into credit decisions for immigrants and thin-file consumers. Adjacent alt-credit data mission with potential partnership or overlap with CRB's tenant reporting flow.
• AppFolio: Major property management software platform listed as one of CRB's API integration partners. A potential vector for native rent reporting within PMS — could either remain an embedded distribution channel or ultimately compete by owning the reporting workflow.

Others

• Plaid: Bank account aggregation infrastructure provider that CRB directly integrates with for verification. Enabling/technology partner rather than competitor; also adjacent in PFM and credit decisioning use cases via its consumer-permissioned data rails.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/creditrentboost
• YouTubeyoutube.com/channel/UCv5_KSk9VAQM09JBzYMEnQA
• Facebookfacebook.com/creditrentboost
• LinkedInlinkedin.com/company/950-credit-rent-boost
• Instagraminstagram.com/950credit

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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 CreditRentBoost.com