Renter Score tracks your payment history and builds a verifiable reputation you can share with future landlords — completely free, automatically tracked, no credit check required.
Build a verified rental reputation from your on-time rent payments — no credit card and no credit-bureau pull. Here's the short version.
Your score reflects your rental payment behavior over time. Higher is better — and you're in full control.
Your score is your on-time rent ratio on a 300–850 scale. Here's how each month counts.
Starting at 550, here's how your score responds as you build a payment record
You start at 550 the moment your first lease is recorded on My Rental Spot. No history needed — every renter begins here.
Your score reflects your on-time ratio right away — a clean first month puts you near the top of the range. No long wait to build history.
A 100% on-time record holds you at the top of the range. Every on-time month protects your ratio and your Excellent standing.
A late or missed month lowers your on-time ratio, so your score dips — but getting back on track raises it again. Your score always reflects your current ratio.
Missing payments hurts, but catching up can restore a significant portion of your on-time ratio
If you have unpaid months, catching up on that balance reclassifies those months from Unpaid to Late. Since Late earns half credit and Unpaid earns none, each reclassified month raises your on-time ratio and your score. Payments are always applied to the oldest unpaid month first.
Three simple steps to building your rental reputation
Payments made through Stripe are automatically verified and build your score. Manually recorded payments appear in your history but don't affect your score.
→A consistent on-time record keeps your ratio at 100%, holding your score in the Excellent range (750–850).
→Generate a unique, verified link to your public score page and share it directly with landlords and property managers.
Your public score page shows everything a landlord needs — verified by the platform and tamper-proof
They're completely different systems. Here's what makes Renter Score better for renters.
| Feature | Renter Score | Traditional Credit Score |
|---|---|---|
| What it measures | Rent payment history only | All debt: cards, loans, etc. |
| Costs to check | ✓ Free forever | Often requires paid report |
| Affects your credit | ✓ No impact at all | Hard inquiry can lower score |
| Landlord access | ✓ You share a link | Landlord pulls your report |
| Shows rent behavior | ✓ Every month tracked | ✗ Rarely included |
| Recovery path | ✓ Catch-up raises your ratio | Slow, takes years |
| Starting score | 550 (Fair) — everyone equal | Varies widely |
| Transparency | ✓ Exact formula published | ✗ Proprietary algorithms |
| Privacy control | ✓ You choose who sees it | ✗ Pulled without your view |
Smart habits that move your score toward Excellent
Every on-time payment protects your on-time ratio. Set up AutoPay through My Rental Spot so you never miss a due date.
⚡ Highest ImpactConsecutive on-time payments build momentum. Partial, late, or unpaid months reset your streak to zero.
📊 Consistency CountsUnpaid months earn no credit, but paying them back reclassifies them to Late (half credit), raising your ratio each month.
🔄 Recovery PathWhen you share your Renter Score, here's exactly what landlords get — and what stays private
A smarter way to prove your rental reliability
No hidden fees, no premium tiers. Every renter gets full access to their score, history, and sharing tools at no cost.
Your score history is preserved when you move. Multi-property payment history builds a stronger reputation over time.
The exact scoring formula is published. You know exactly how every payment affects your score — no black boxes.
Your score updates immediately after each payment is processed. No waiting for monthly reports or batch updates.
Your score is private by default. Share it only when you choose — and revoke access instantly by regenerating your link.
Made a mistake? Catch-up payments raise your on-time ratio. Unlike credit scores, recovery is fast and transparent.
Everything you need to know about privacy, security, and your dashboard
Your data is protected at every level. Here's what we guarantee:
Your personal Renter Score dashboard gives you full visibility into your rental reputation:
Quick answers to the most common questions about Renter Score
Join thousands of renters who are taking control of their rental history. Your Renter Score is free, automatic, and yours to share.
No credit check. No fees. Takes 30 seconds.