August 5, 2020

Looking for Ways to Build Credit? Simply Pay Rent Online

Did you know you can actually boost your credit score when you pay rent online? Understanding the importance of building a credit history and that responsible renters should be rewarded for their on-time payments, Experian incorporates rental payment data into their credit reports, boosting your score.

When you pay rent online, you ensure those payments are being reported to the credit bureaus, provide those bureaus key reporting data, and, when combined with credit card payments, can further increase your score.

Get Your On-Time Payments Reported

“Historically, rent has not had much of an effect on your credit score. However, that has changed in recent years,”  says Paul Sisolak on Student Loan Hero. “Some newer services make it possible for those monthly rent payments to contribute to your credit history.”

So how do you ensure your rent payments are reported? Luckily, Fair Oaks offers an online rent payment system that reports positive payment information to the credit bureaus. That way, the major credit bureaus—TransUnion, Equifax, and Experian—receive a record of on-time rental payments, further enhancing your good credit. In order to opt in for the credit reporting, follow these steps:

  1. Log in to your account through the resident portal and click on “Make a Payment Now.”
  2. Select “Build your credit history by opting in to credit reporting.”
  3. Enter your information in the credit reporting fields. Be sure to select “yes” for month-to-month lease if you have one, or select “no” and a lease end date.

Provide Credit Bureaus with Key Information

What actually goes into a credit score, and does paying rent online contribute? There are typically several elements that, when combined, establish your credit score. Experian, for example, considers the use of credit cards, payment history, and applications for new loans and credit.

When you pay your rent online, those payments are considered part of your recorded payment history. And, when you continually pay on time and in full, that information is reflected in your credit score.

Use One Specific Credit Card for Even Higher Score Gains

If you are looking to boost your score even more, consider using one dedicated credit card specifically to pay rent online, paying that card balance off every month.

“Open a credit card and use it to pay your rent . . . then pay your credit card balance in full each month,”  says LaToya Irby, credit expert for The Balance. “The timely credit card payments will help boost your credit score.”

You don’t have to pay your rent with a credit card, but it can be a nice little boost to your credit score in combination with the benefits of paying your rent online.

Boost your credit score by paying your rent online through the Fair Oaks resident portal. When you pay rent online, your payments are reported to credit bureaus, showing them exactly what they are looking for. Plus, if you choose to pay rent with a credit card, you may increase your score even more.  

Improve Your VIP Experience: Flexible Ways to Pay Rent and Build Credit at Fair Oaks

April 20, 2026
At  Fair Oaks Apartments  , we are committed to providing our VIPs with the best tools to manage their apartment homes effortlessly. We want to highlight the various ways you can handle your monthly rent, including some exciting benefits that help you build your financial future just by living with us. 1. The AppFolio Resident Portal App The easiest way to manage your living experience is through the AppFolio app. It is a one-stop shop for your most frequent needs: Convenient Payments: Set up one-time or automatic payments using a bank account (e-check), credit card, or debit card. Split Payments with Flex: We have integrated Flex directly into your AppFolio app. This service allows you to split your rent into two payments throughout the month. Flex pays your rent to us in full and on time, while you pay them back on a schedule that fits your cash flow. Full Transparency: View your current balance, previous statements, and full payment history anytime. 2. Build Your Credit for Free with Pinata Your consistent rent payments should work for you. We are proud to offer Free Positive Rent Payment Reporting to major credit bureaus through our partner, Pinata. How it works: You will receive an email invitation from Pinata to sign up for this service. Once you are enrolled, your on-time payments are reported to the credit bureaus. The Benefit: This helps you build your credit score over time without any extra cost. It is our way of rewarding your reliability and helping you reach your long-term financial goals. (Please note: we do not utilize any resident reward or marketplace features through Pinata; this service is strictly for your credit reporting benefit.) 3. More Ways the App Helps You Beyond payments, the AppFolio app remains your primary tool for staying connected with our La Habra community. You can: Submit Maintenance Requests: Easily upload photos and descriptions of any needed repairs. Manage Renter's Insurance: Access your policy or update your provider details. Stay Informed: Contact the office via text or phone, update your contact preferences, and access your lease documents. At  Fair Oaks Apartments  , we treat every resident like a VIP. Whether you are looking for more flexibility with Flex or looking to boost your credit score through Pinata, we are here to support your lifestyle.

The Best Holiday Activities in La Habra, CA

November 16, 2023
The air is getting colder as the special holiday spirit arises in La Habra, CA! Holiday lights glitter along the streets, and wreaths adorn every door as the people of La Habra prepare for the holiday season. As the holidays get closer and closer, it’s time to start thinking about how you’re going to celebrate this joyful season!  Luckily, La Habra’s mild winters allow for a myriad of festivities, both indoor and outdoor! These winters draw both locals and visitors alike to participate in the many events available in the area. While the holidays can be overwhelming with everything that’s going on, don’t fret! Fair Oaks Apartment Homes in La Habra, CA, has put together a list of some of the best holiday activities, performances, shopping, and volunteer opportunities to help you get a clear view of what’s going on this year as you celebrate a joyous holiday season!
Old historical museum

La Habra Spotlight: The La Habra Historical Museum

August 24, 2021
There is something particularly magical about visiting a museum, especially in these uncertain times. According to an article by Rebecca Carlsson , museums can act as an anchor that ties our community together and help us learn and grow from the past.