renttrack.com Arvostelua 3

Be careful: This service can hurt your credit over time

Review:
At first, this seems like a helpful tool for building credit if you're just starting out — but in the long run, it can actually damage your credit profile.

The biggest issue is that every time you move, even within the same apartment complex, the system closes your previous tradeline and opens a brand-new one. That means you lose all your rental history and your average credit age drops, which directly impacts your credit score in a negative way.

Ironically, the longer you use the service and the more you move (a common reality in the U.S.), the more harm it causes. There's no option to transfer or merge rental history, even if you're the same tenant continuously paying rent and still subscribed to their service.

This might help in the very early stages of credit building, but once you have credit cards, loans, and real tradelines, this becomes more of a liability than a benefit.

I do not recommend this service for anyone who is already actively building or protecting their credit score. There are better and safer ways to move forward.

They ruined my credit by reporting to it inaccurately. They have a fake support phone number no one answers. The same illiterate, lazy and rude person answers all the emails and has always had a bad attitude when replying to us. Overall a scam of a company that should not have access to people's sensitive information let alone take money to do it.

This is a really dumb service. No one should pay to attempt to increase their credit score. Not worth it.