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.
Your score reflects your rental payment behavior over time. Higher is better — and you're in full control.
Every month, your payment status earns or costs points. Here's exactly how it works.
Starting at 550, here's what consistent on-time payments look like over time
You start at 550 the moment your first lease is recorded on My Rental Spot. No history needed — every renter begins here.
10 consecutive on-time payments earn +100 points, moving you from Fair into Good territory. This is when landlords start noticing your track record.
Another 10 on-time months pushes you into the Excellent range. You now have nearly 2 years of consistent history — a powerful signal to landlords.
30 consecutive on-time payments from day one earns the maximum possible score. You're in the top tier — your rental reputation speaks for itself.
Missing payments hurts, but catching up can restore a significant portion of lost points
If you have unpaid months, catching up on that balance reclassifies those months from Unpaid to Late. Since Late costs −10 instead of −30, each reclassified month restores 20 points to 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.
→On-time payments earn +10 points each month. Consistent history builds your score toward 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 restores points | 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
Each on-time payment earns +10 points. 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 cost −30 each, but paying them back reclassifies them to Late (−10), restoring +20 per 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 restore lost points. 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.