Whether you live in East Halls, Nittany Apartments, or off campus on Beaver Avenue, the rent you're already paying can build on-time credit history reported to the major credit bureaus. It's less than $5 a month.
Rentaba connects to the housing payment you're already making and reports it as on-time credit activity — month after month.
Verify you're a Penn State student, confirm your housing details, and pick a plan. Most students finish on their phone between classes.
Whether it's the bursar's office for on-campus housing or your landlord for off-campus, we connect securely without touching how or when you pay.
Each on-time payment becomes a positive tradeline on your credit report. You'll see progress in the app and in your actual credit file.
The average college graduate has a FICO score 45–65 points lower than the national average — which shows up as higher rates on auto loans, rejected apartment applications, and bigger deposits on utilities. Rentaba closes that gap while you're still on campus.
Rentaba is designed to be a companion to the curriculum Penn State's financial literacy center delivers across campus — not a replacement for it. It turns concepts like credit utilization, tradelines, and on-time history into something you can watch happen in your own life.
Audited controls on how we store, access, and transmit your financial data.
We report as a recognized data furnisher under the Fair Credit Reporting Act.
Student data is handled in line with the standards universities already require.
Yes. Rentaba supports both on-campus housing paid through the Penn State bursar and off-campus rent paid to a private landlord. We work with your existing payment — you don't have to change how or when you pay.
The opposite. The biggest reason young adults have low scores isn't bad credit — it's no credit. Rentaba adds positive, on-time history to your file, which is exactly what scoring models reward.
No. Rentaba reports your rent as an on-time payment history — the same way a credit card would report an on-time payment. It does not add debt to your file.
Plans start under $5/month, with retroactive reporting up to 24 months of past payments available at enrollment. Cancel anytime — you keep the history you've already built.
Rentaba is an independent fintech building partnerships with universities. This page was created for students who heard about us through Penn State channels. Any formal program partnership will be announced through the Sokolov-Miller Family Financial and Life Skills Center or Penn State Student Affairs.
Enrollment takes three minutes. Your housing payment does the rest. No new bills, no surprises — just a credit history that's working for you while you finish your degree.
We'll send a packet (brochure, FAQ, and curriculum fit guide) for staff at the Sokolov-Miller Center or Residence Life.
university@rentaba.co →