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Five Ways to Turn Payments Into Credit History

You're already making these payments every month. Subscribe to Lease 4 Credit and we'll report every on-time payment to Equifax, TransUnion, and Experian β€” automatically. Plus, report up to 3 years of past history right away.

Drive your credit forward

Vehicle Lease

Your car payment is one of the largest recurring expenses you have. Why let it just disappear every month? When you enroll your vehicle lease with Lease 4 Credit, we report every on-time payment to all three major credit bureaus β€” turning your commute into a credit-building opportunity.

  • Reports monthly to Equifax, TransUnion & Experian
  • Works with any vehicle lease agreement
  • Includes cars, trucks, SUVs, and motorcycles
  • Report up to 3 years of past payment history

What to Expect

+65 pts
Avg. score increase
3–6 months
Avg. timeframe

Reported to

EquifaxTransUnionExperian
Monthly reporting cycle
$8.95/mo per account
Cancel anytime
Your home is your credit builder

Apartment & Home Rent

Rent is often the biggest monthly payment people make β€” yet it's historically been invisible to credit bureaus. Not anymore. Lease 4 Credit reports your apartment or home rental payments so every month you pay on time, your credit score grows.

  • Works for apartments, houses, condos & townhomes
  • Landlord participation not required
  • Retroactive reporting available β€” up to 3 years back
  • Builds payment history β€” the #1 credit factor

What to Expect

+110 pts
Avg. score increase
3–9 months
Avg. timeframe

Reported to

EquifaxTransUnionExperian
Monthly reporting cycle
$8.95/mo per account
Cancel anytime
Every installment counts

Rent-to-Own Items

Rent-to-own agreements for furniture, appliances, electronics, and more are a smart way to get what you need while building credit at the same time. We report your rent-to-own payments so each installment adds to your credit profile.

  • Furniture, appliances, electronics & more
  • Works with major rent-to-own retailers
  • Each payment adds to your credit mix
  • Report up to 3 years of past installment history

What to Expect

+65 pts
Avg. score increase
6–12 months
Avg. timeframe

Reported to

EquifaxTransUnionExperian
Monthly reporting cycle
$8.95/mo per account
Cancel anytime
Small payments, big credit wins

Sheds & Storage

Even your shed or storage unit rental can help build your credit. Lease 4 Credit reports these smaller recurring payments to the bureaus β€” because every consistent, on-time payment is a signal to lenders that you're reliable.

  • Portable sheds, storage units & outbuildings
  • Perfect for adding credit mix diversity
  • Low monthly cost, high credit impact
  • Report up to 3 years of past rental history

What to Expect

+45 pts
Avg. score increase
6–18 months
Avg. timeframe

Reported to

EquifaxTransUnionExperian
Monthly reporting cycle
$8.95/mo per account
Cancel anytime
Your phone bill finally pays you back

Mobile Phone Bill

You pay your cell phone bill every single month β€” so why isn't it building your credit? Lease 4 Credit reports your mobile phone service payments to all three major credit bureaus, turning a bill you already pay into a credit-building asset. Works with any carrier.

  • Works with any mobile carrier or plan
  • No carrier participation required
  • Report up to 3 years of past phone bill history
  • Adds payment history and credit mix diversity

What to Expect

+55 pts
Avg. score increase
3–9 months
Avg. timeframe

Reported to

EquifaxTransUnionExperian
Monthly reporting cycle
$8.95/mo per account
Cancel anytime

Every Product Includes

No matter which account you report, you get the full Lease 4 Credit experience.

Reporting to Equifax, TransUnion & Experian
Monthly payment tracking
Score progress dashboard
Dedicated member support
Credit education resources
Cancel anytime, no penalties