Turn the rent you pay
into a stronger credit file
You pay rent every month - probably your biggest outgoing. Rent reporting makes those payments count towards your credit file, reported to all three UK credit reference agencies, for free.
Reported to
3 credit bureaus
£1,200
Typical monthly rent that could count towards your credit
3
Verified payments needed before reporting begins
3
Credit reference agencies we report to
£0
Cost to tenants - free, forever
Four simple steps, then it runs itself
Set it up once. Matriva verifies and reports your rent automatically every month after that.
Connect your bank
Link your current account securely via Open Banking. Read-only access - we never move money or see your balance.
Rent is verified
Each month, your rent payment is detected automatically and matched to your tenancy, then verified as a real, on-time payment.
We report it
After three verified payments, your rent history is reported to all three UK credit reference agencies - TransUnion, Experian and Equifax.
Your credit grows
On-time rent is treated like any other credit commitment. Over time, a steady payment record strengthens your credit file.
The benefits of reporting your rent
Rent is the payment most tenants make every month - and the one that should be working hardest for you.
Build credit from rent you already pay
Rent is usually your biggest monthly outgoing - yet most tenants get no credit for paying it. Reporting turns that spend into a credit-building asset.
Better rates on borrowing
A stronger credit file can mean lower interest on credit cards, loans, car finance and mortgages - saving you real money over time.
Easier next tenancy
Landlords and agents favour tenants with a proven, verified payment record. Your Matriva Tenant Passport carries that proof with you.
All three bureaus, not just one
We report to TransUnion, Experian and Equifax - so lenders checking any agency see your rent history, not just one.
It works while you sleep
Once set up, verification and reporting happen automatically each month. No forms, no uploads, no chasing.
Free, private and secure
Rent reporting is free forever for tenants. Open Banking is read-only and FCA-regulated - we never store your login details.
Reported to every UK credit reference agency
Lenders check different agencies. We report to all three, so your rent history is visible no matter which one they use.
TransUnion
Reported automatically
Experian
Reported automatically
Equifax
Reported automatically
Rent reporting, explained
Does paying rent really improve my credit file?
Rent payments have traditionally been invisible to credit reference agencies. Reporting them means your on-time rent is treated like any other regular credit commitment - which, paid consistently, can strengthen your credit file over time.
What happens if I pay late?
Only verified, on-time payments are reported. A late payment is simply not reported for that month - we do not report missed or late payments to the bureaus.
Is Open Banking safe?
Yes. Open Banking is regulated by the FCA. We use read-only access to detect your rent payment - we cannot move money, see your balance, or store your bank login.
When does reporting start?
After three verified rent payments. This gives the bureaus a reliable pattern rather than a single payment, and means your record is credible from day one.
Which credit reference agencies do you report to?
All three UK agencies - TransUnion, Experian and Equifax - so your rent history is visible whichever agency a lender checks.
Start building credit from your rent today
Free, forever. Set it up in minutes, and let the rent you already pay work harder for your credit file.
Ready for a better rental journey?
Join Matriva today and enjoy a better rental experience.