For renters & borrowers
You pay every month. Your credit score should show it.
Rent payments. Equipment payments. RTO. Vehicle leases. Service plans. Certo reports every on-time payment to Equifax, Experian, and TransUnion.
✓ Always free for renters✓ No app✓ All 3 bureaus✓ Always your choice
The problem
You've been paying faithfully. None of it counts.
Reported
✓Credit card
✓Car loan
✓Student loan
Not reported
✗Rent payments
✗RTO furniture
✗Private lease
Certo puts your payments in the top row.
Who this helps most
Built for people the credit system has been ignoring.
✗
Thin credit file
Add rental history. Get approved.
→
New to the US
Build US credit from day one.
520780
↑
Score climbing with every payment
Rebuilding
Every on-time payment moves this forward.
Your rights