Positive-Only Rent Reporting for Responsible Renters
Build or improve credit safely by reporting on-time rent payments to all three major credit bureaus.
A Safer Approach to Rent Reporting
STAR was designed for renters who want credit growth without the risk of negative reporting.
✓ Positive Reporting Only
Reports on-time rent payments to help build credit history.
✓ No Negative Reporting
Late or missed payments are never submitted.
✓ No Data, No Report
If payment data cannot be verified, STAR simply does not report.
✓ Tenant-Controlled
Participation remains in the hands of the renter.
How do people usually build credit?
Traditionally, building credit means you have to:
- Open a credit card (and avoid going into debt).
- Take out a loan or finance a purchase.
- Make sure you never miss a payment.
- Wait months or even years to see real progress.
Not everyone qualifies for a credit card. Not everyone wants debt. And even if you do everything right, it still takes time.
Simple. Secure. Straightforward.
The tenant enrolls and completes registration.
Payment data is securely verified.
Eligible on-time rent payments are reported monthly.
Reporting may include up to 24 months of historical on-time payments if available.
Rent Payment Data is Reported to Major Credit Bureaus
Rent payments are reported to major credit bureaus, helping maximize the credit-building benefit of on-time payments.
Why Building Credit Matters
Rent reporting has been shown to increase credit scores by up to 60 points. (TransUnion Study)
Here's how stronger credit can impact real-life costs:
| What You're Trying To Get | Lower Credit (580–629) | Stronger Credit (720–850) | What That Means For You |
|---|---|---|---|
| Car Loan ($25K, 5 Years) | ~15% interest (~$10,313 total interest) |
~4.5% interest (~$2,953 total interest) |
Over $7,000 saved |
| Credit Cards | 25–30% APR | 13–17% APR | Less interest paid over time |
| Apartment Approval | May require cosigner or face denial | Higher approval likelihood | More rental flexibility |
| Utility Deposits | Often required | Often waived | $100–$300 saved upfront |
| Home Loan ($350K, 30 Years) | ~7.5% interest | ~5.5% interest | $150,000+ saved over loan life |
Frequently Asked Questions
Everything you need to know about STAR, rent reporting, billing, enrollment, and credit building.
What is STAR?
STAR is a rent reporting program by Sperlonga Data & Analytics that allows eligible renters to have their on-time rent payments reported to the three major credit bureaus.
Does STAR report late payments?
No. STAR reports positive, on-time payments only. Late or missed payments are never submitted.
Which credit bureaus does STAR report to?
Eligible payments may be reported to Experian, TransUnion, and Equifax.
How much does STAR cost?
STAR costs $54 annually or just $4.75 per month with a one-time $24 setup fee.
What does the $24 setup fee cover?
The setup fee covers account verification and may include reporting of up to 24 months of historical on-time rent payments if eligible.
Can STAR report past rent payments?
Yes. If eligible, up to 24 months of prior on-time rent payments may be included based on lease start date and verified payment history.
Is historical reporting guaranteed?
No. Historical reporting depends on lease duration and the availability of verifiable payment data.
How long does it take for payments to appear on my credit report?
Reporting timelines can vary depending on verification and bureau processing times.
Do I need my landlord to participate?
No. STAR is renter-initiated and does not require your landlord to enroll in the program.
Do I need to link my bank account?
Payment data must be verified for eligible rent payments to be reported.
What happens if no rent payment is detected?
If no eligible payment data is found for a month, nothing is reported for that period.
Will STAR hurt my credit score?
STAR reports positive payments only. Late or missed payments are not submitted.
Can I cancel STAR at any time?
Yes. You may cancel your subscription at any time.
Does STAR auto-renew?
Yes. Subscriptions automatically renew unless canceled or if payment or banking data becomes inactive.
Is there a contract or long-term commitment?
STAR is a subscription-based service and may be canceled according to its terms.
Who should consider using STAR?
STAR is ideal for renters who consistently pay rent on time and want to build or strengthen their credit profile.
Will STAR guarantee a specific credit score increase?
No. Credit score changes vary by individual and depend on the overall credit profile.
Is STAR a loan or credit product?
No. STAR is not a loan, credit card, or financing product. It is a rent reporting service.
Does STAR require a credit check to enroll?
No. STAR does not require a credit check for enrollment.
Can STAR help if I have no credit history?
Reporting consistent on-time rent payments may help establish or strengthen a thin credit file.
What if I move to a new apartment?
You may continue using STAR as long as eligible payment data can be verified under your new lease.
Responsible Rentters Deserve Credit
Turn consistent rent payments into measurable credit history.
