The process is simple. You keep paying your lease or rent as normal — we handle everything else. Here's exactly how it works.
Sign up in minutes. We collect some basic information to verify your identity and set up your member profile. A one-time $69 onboarding fee covers your bureau enrollment and account setup.
Select which lease or rental accounts you want us to report. You can add a vehicle lease, apartment rent, rent-to-own items, or a shed rental — or all four. Each account is $8.95/month.
Each month, we automatically report your on-time payment activity to Equifax, TransUnion, and Experian. You don't have to do a thing — just keep paying your lease or rent as you normally would.
As your positive payment history accumulates, your credit score improves. Track your progress in your member dashboard and see the real impact of payments you were already making.
Credit scores are calculated from five factors. Lease 4 Credit directly improves three of them.
The single biggest factor. Every on-time payment we report directly improves this.
How much of your available credit you use. Lease reporting doesn't affect this.
Older accounts help. Retroactive reporting can add years of history instantly.
Having different types of accounts helps. Lease accounts add valuable diversity.
Hard inquiries from new credit applications. Lease reporting has zero impact here.
Credit score factors based on FICO® Score model. Lease 4 Credit is not affiliated with FICO®.
Credit building takes consistency. Here's a realistic picture of your journey.
Account enrolled, first report sent to bureaus
Bureaus update your credit file, score begins to move
Most members see their first meaningful score increase
Consistent history builds — average +85 to +150 points
Strong payment history established, lenders take notice
Bank-level encryption protects your data at every step.
Equifax, TransUnion, and Experian — every month, automatically.
Over 20,000 members trust Lease 4 Credit to build their future.
Sign up in 5 minutes. Choose your accounts. Let us handle the rest — every single month.