A rent reporting platform that turns the largest payment most renters make — their monthly rent — into the credit history they need to buy a home, finance a car, or grow a small business. Free for renters served through nonprofit partners.
America has a homeownership problem and a credit-access problem — and they compound. A renter paying $1,500–$2,500 a month on time for years has demonstrated extraordinary creditworthiness. Without a credit history, none of it counts toward a mortgage application.
Americans with no credit history at any of the three bureaus — with millions more holding files too thin to score.
CFPB Data Point: Credit InvisiblesRoughly the household income now required to afford a median-priced home — far beyond what most renters earn.
National housing affordability estimates, 2025Independent outcome data from rent-reporting programs — often the difference between a denied and an approved mortgage.
Boom Pay, RentReporters & Credit Builders AllianceIn metro after metro, the household income required to qualify for the median home is about twice the median renter's income. Closing that gap starts with getting renters mortgage-ready — and that begins with a credit score that reflects the rent they already pay on time.
U.S. Census ACS · national rent-vs-own affordabilityThe Federal Housing Finance Agency has cleared Fannie Mae and Freddie Mac to accept VantageScore 4.0 — a model that reads on-time rent as a credit tradeline. For the first time, the rent a renter already pays can move the score lenders actually use.
FHFA · 2026RentCredit submits on-time rent payments to Experian, TransUnion, and Equifax on behalf of credit-invisible renters — free when delivered through nonprofit and housing-authority partners. With Fannie Mae and Freddie Mac now accepting VantageScore 4.0, that on-time rent feeds directly into mortgage eligibility.
Each step accountable to a specific regulator, partner, or outcome — not a black box.
Launching in English and Spanish, with more languages to follow — built for the renters most often left credit-invisible.
Designed for fiscal sustainability from day one. Direct-to-consumer subscriptions and property-manager B2B revenue close the gap as the platform scales — grant dependency falls from 86% in Year 1 to 39% in Year 3.
By Year 3, the program targets ~5,000 active renters and an estimated ~140,000 aggregate FICO points generated — the difference, at scale, between renters denied for a mortgage and renters approved.
Omar Catlin is a licensed insurance broker and the founder of LifeCatlin Insurance and Project5Pi. He is building RentCredit to close the credit-to-homeownership gap for renters — using AI infrastructure already in production for his other businesses.
RentCredit partners with — not against — community organizations. It's mission-first: free to renters through nonprofit partners, with outcome data used to prove impact, never sold. The program is built to be accountable to the renters, partners, and funders it serves.
Quarterly updates on funder partnerships, pilot enrollment milestones, and the public launch. No spam. No newsletter. Notifications only.