CreditPop is owned by RentTrack...so, it's really the same company. It seems that unlike most of the services doing this, they report to all three burueas, which is a big plus. But, they don't report past payments. So, I think that means when you start an account with them, it will be a brand new tradeline that will bring down your average age. For someone like me who has two new accounts this year, and my average age is already going to decrease when some accounts fall off later this year, I am not sure if it's a good idea....even beside the $120/year it will cost. It might be a little better than a credit card, though...since it wouldn't be the same type of credit, but not sure it would be better than Self-Lender, which I can get a new one of that when it expires (for a different type of account). Probably a long shot, but is anyone out there using a service like this? I do see claims of credit score increases usually occurring (but what are they going to say? 
Plus, it could be from other stuff a person is doing since someone using a service like that is obviously trying to increase score).
Do you have any lates already on your credit file?
Does your landlord pay the $120 or do you? Is that the only fee you pay? I presume you pay RentTrack with a check, not a CC?
Does your landlord pay the $120 or do you? Is that the only fee you pay? I presume you pay RentTrack with a check, not a CC?
@Anonymous wrote:CreditPop is owned by RentTrack...so, it's really the same company. It seems that unlike most of the services doing this, they report to all three burueas, which is a big plus.
Can your point me to where they say that? All I could find was the mention of two CRA's. I never use lenders/services that don't report to all three CRA's.
@Anonymous wrote:.
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But, they don't report past payments. So, I think that means when you start an account with them, it will be a brand new tradeline that will bring down your average age.
Even if I was considering this type of service, the fact that they don't back date is a no go for me.
How would the rent payment service that you just started paying rent through, have any basis to show prior rent payment transactions to a credit bureau?
This is is not a factor to prevent someone from starting using the service. There are other reasons not to use this service but lack of “backdating” is not one of them.