Build credit withRent Payments
Every payment you make deserves to count. Certo reports your payment history to Equifax, Experian, and TransUnion — automatically.
One platform
Build credit with every payment.
Apartment Rent
Build your credit score by reporting your monthly rent.
Equipment Rentals
Build credit every time you pay for that skid steer, trailer, or generator.
Furniture Rentals
Turn rent-to-own furniture payments into a stronger credit score.
Vehicle Rentals
Build credit by reporting your private vehicle lease payments.
Land Rentals
Build credit by reporting payments on the land you rent.
Private Loans
Build credit by reporting every payment you make to a private lender.
The two-sided win
You pay. You build credit. Your lessor gets paid on time. Same agreement.
For renters
Your payments. Your credit.
Most people pay rent, RTO, and equipment invoices every month and get nothing on their credit report. With Certo, every on-time payment builds the history that opens doors — mortgages, car loans, business credit.
You were already paying. Now it counts.
For renters →For lessors
A benefit that gets the check written.
When a payment is tied to a credit score, it gets prioritized. Every time. Offer customers a real credit-building benefit — and watch on-time rates climb.
3×
higher repayment on bureau-reported agreements
48 hrs
average time overdue customers pay after a bureau notice
800M+
alternative credit pulls a year
Social proof
Real businesses. Real payments. Real credit built.
"Our late accounts dropped 60% in the first quarter. The credit reporting piece is the whole game."
James Okafor
Okafor Equipment Rentals · Dallas, TX
"My customers asked for years if their payments counted toward credit. Certo was the answer — and my on-time rate went up with it."
Sandra Reyes
Premier Home Furnishings · Phoenix, AZ
"He paid off the full balance early because he didn't want it sitting on his credit report."
Marcus Webb
Northgate General Contracting · Seattle, WA
Your next payment should be building your credit.
Free to start. No app. No monthly minimum.
256-bit encrypted · FCRA compliant · All 50 states · No contract