Sign Up for Easy Credit Building through Rent Reporting

Easy Credit Building through Rent Reporting

We are delighted to welcome you as one of the first participants in a special partnership between the Community Empowerment Fund (CEF), City of Durham, Durham Community Land Trustees (DCLT), and the Durham Housing Authority (DHA) to build your credit easily and automatically through your monthly rent payments. If you choose to enroll, your on-time monthly rent payments will be added to your credit report to build your credit history!

To get started, share your contact information with us using the form below, and someone from CEF will reach back out to you to set up an initial meeting.

Questions? Feel free to call us at 919-797-9233 and ask about rent reporting, or view FAQs below!

Fill Out the Interest Form Below:

Your Housing Provider
Durham Community Land TrusteesDHA Public HousingPrivate Rental through Housing Choice Voucher

Frequently Asked Questions (FAQs) About Rent Reporting

1. Why rent reporting?
Reporting rental payments offers renters an opportunity to build positive credit history through regular on-time rent payments and without taking on any new debt. The best part? Rent reporting for credit building will only report positive rental data. Typically, unless you take out a loan or open a credit card, it can be hard to find opportunities to build credit history. Not with rent reporting! Rent reporting will automatically boost your credit history through the rent payments you are already making.

2. How does it work?

Tenants of Durham Community Land Trustees and Durham Housing Authority can enroll in reporting by:

a. Creating an online account with Rent Track, through the process defined by your landlord.
b. Signing up to “Build Credit History” in your Rent Track account, giving them permission to report your timely rent payment.
c. Paying rent online through Rent Track, by inputting your bank account information into Rent Track and either setting up automatic payments or making your payments each month through this online portal

Rent Track will then automatically report your timely payments to the three major credit bureaus (TransUnion, Equifax, and Experian)!

3. How much does it cost? 

This will not cost you anything in 2018! Typically on Rent Track, there is a $1.95 fee for each ACH transaction to pay your rent. As part of the partnership, CEF is covering these rent payment fees for you for the entirety of 2018, so that opting-in to rent reporting is free for you!

However, if you choose to pay using credit card, there is a much bigger transaction fee of 2.95%, which CEF is unable to cover.

4. When can I start? 

For Durham Community Land Trustees tenants, you can start right away!

For Durham Housing Authority tenants, our timeline depends on DHA completing their set-up process—we will let you know when they are ready to go!

5. Can I opt-out or opt-into this program anytime? 


6. What do you mean by on-time rent payment?

For the purposes of your credit report, any rent payment made within the calendar month of the due date counts as an on-time rent payment.

7. Will I be penalized for late payments?

No; late payments will not be reported and will not appear on your credit report. Those months will appear as “no data.”

8. When will my score improve?

When you enroll, Rent Track will receive up to two years of your previous rent payment history, reporting all of your on-time payments during that time — developing an immediate positive history!

There are no specific guarantees on the timeline or increase in credit score, but rent reporting will build your credit history, which is important for giving future lenders, landlords, and other institutions a complete portrait of your credit history.


Have additional questions? Give CEF a call at (919) 797-9233 and let us know you have questions about the rent reporting program.

For more information about CEF, click here.

CEF: Community Empowerment Fund

Chapel Hill: 919-200-0233 Durham: 919-797-9233