Frequently Asked Questions To
Get You Started With Zingo

Is my information safe?

Yes.  Zingo uses bank-strength encryption and we will never sell your data. 

Can Zingo negatively impact my credit score?

We cannot predict the effect rent reporting will have on every consumer’s credit score. If a rent payment is made more than 30 days past due, that must be reported as a late payment. If you pay your rent via a different account, be sure to update your payment in the Zingo dashboard so that we can continue to report your on-time payments. We’ll also send you an email if we notice a late or missed payment.

Is Zingo FREE?

Yes, setting up your profile to get credit for your monthly rent payment is absolutely FREE.

What is Zingo?

Zingo is a free, automated service that allows you to submit your recurring payments to the credit bureaus so you receive credit for payments that are not traditionally included on your credit report.

Unlike traditional information included on your credit report – like mortgages and credit cards – Zingo brings you a new way to build or enhance your score without incurring additional debt.

How does Zingo work?

Zingo’s technology platform reports your monthly rental payments to the credit bureaus by verifying the personal information you provide.

Is Zingo really FREE?

Yes, setting up your profile to get credit for your monthly rent payment is absolutely FREE.

How does Zingo improve my credit score?

Zingo allows you to get credit for non-traditional credit payments like your monthly rental payment by directly linking your payment information into the credit bureaus. With Zingo, you can now get credit for past and current recurring payments.

Why do I need to enter my social security number (SSN)?

Your Social Security Number (SSN) is required to connect and match your personal information to the credit bureaus. Zingo keeps all of your personal data safe and secure.

What bureaus does Zingo report to?

Currently Zingo reports only to Equifax.

How often is my payment data reported?

Once your profile is set up, your payments are automatically reported on a monthly basis.

Is there an age minimum to use Zingo?

Yes, you must be 18 years or older to enter into an agreement with Zingo.

Will using Zingo lower my credit report?

Zingo cannot predict the effect rent reporting will have on every consumer’s credit report. If a rent payment is made more than 30 days past due, that must be reported as a late payment.

IMPORTANT:  If you move or change the financial institution you use to make your rent payments, be sure to update that information in your profile so Zingo can continue reporting your rent information to the credit bureaus.

I forgot my password, how do I reset it?

Please visit our reset password page and enter the email address associated with your Zingo account.  An email with instructions on how to reset your password will be sent to you shortly after.

I forgot my email address, how can I find it again?

If it’s been awhile since you last visited Zingo, we can help you retrieve the email address you used to register your account.

Start with the email recovery page.

Enter your full name, date of birth, and the last four digits of your Social Security Number. Please enter all of the information exactly as you entered it during registration.

If you recognize the email address, log into your account as usual.

How can I change my email address?

If you are able to log into your Zingo account:
Hover over your screen name in the top right corner and click on the security settings link in the drop-down menu.

Enter your new email address twice along with your password. Then click “Save.”

Use your new email address when you log into Zingo in the future.

If you are not able to log into your Zingo account:

This can happen if you forget your password and no longer have access to the email address associated with your account. Please contact support to verify your identity by sending us documentation.

Why hasn’t my score changed?

Credit reports are updated approximately every 10 days.  If your score has not changed, it could be because your rental payment information isn’t significant enough to affect your score.

What if the data reported from Zingo is inaccurate or contains errors?

This shouldn’t happen if things are set up accurately; however, if you find any inaccuracies reported by Zingo, please contact us immediately.

Can there be more than one Zingo account per email address?

Only one Zingo account can be linked to an email address.

Isn’t my rent already being reported?

Rent is not commonly included on your credit report. In some cases, larger commercial landlords might offer rent reporting services to their tenants.

What kind of proof of rent payment do you accept?

Currently, Zingo only accepts rent payments made to property management companies.  Zingo is unable to accept rent payments made to individual landlords.

Once you set up your account details, Zingo gets to work to automatically verify your rent payments. In some cases, additional proof of payment, such as a picture of a check, may be required to be uploaded.

Can you report past rent payments?

Yes, Zingo allows users to report up to 24 months of past rent payments.

How do my rental payments look on my credit report?

Your rental data will appear on your credit report as an open account like any other traditional credit account.

What happens to my credit report/score once my rental data is reported?

Once the rental data is reported to the credit bureaus it will then appear on your credit report
and should have an immediate impact on your overall credit profile and score.

What happens if I make a late rent payment?

Your payment is only considered late if the payment is made 30 days after the due date. If your rent payment is over 30 days late, this will be reported to the bureaus as a late payment and may impact your credit score.

When will there be costs associated with reporting rental data to the credit bureaus?

Your current rental address is free through our automated service. If we are unable to validate your rental data through our automated process, we may need to reach out to you for further information. If a manual process is required for verification, there will be a one-time fee of $19.95. Additionally, if we want to go back beyond your current address, Zingo PLUS can do this for only $29.95 per address.

Are there any limitations to reporting rental data to the bureaus?

Yes, at this time Equifax only allows us to report rental payments from property management
companies and will not accept individual landlords.

What do I need to do when I move?

Simply drop us an email at Zingo Support with your new address, landlord information, and rent payment information. If you’ve changed banks, you will need to connect your new bank to ensure that we can capture your new information.

Send Email

What is a credit score?

Your credit score is your credit history expressed as a three-digit number relating to how likely you are to repay debt. Banks, lenders, and landlords use this score to decide whether they’ll approve you for a credit card or loan. A credit score can mean the difference between being denied or approved and can also impact your approved interest rate.

What is a good credit score?

Credit scores range from 300 to 850. Generally, scores between 700-749 are labeled “Good,” while 750 and above are “Excellent”. Your score might be different from lender to lender, depending on how they weigh the credit factors and which scoring model they use.

Why did my score drop?

There are multiple factors that might have led to a decrease in your credit score. Opening a new credit card, utilizing too much of your available credit, or recent credit inquiries are the more common factors. One or many of these factors might cause your credit score to remain stagnant or decrease despite the fact that you started reporting additional recurring payments.

Can I Close my Account and opt out of Reporting?

Yes, at any time you can close your account and opt out. Doing so will remove the account from your credit report. Remember that removing a positive credit line such as rent could cause a negative impact on your credit report.

How do I cancel my account?

Before you proceed with canceling your account, please be aware that you will no longer have access to your Zingo account history and Zingo will stop reporting your payments to the credit bureaus. You will also not be eligible to create a new Zingo account for six months.

Even though you may have reached your credit score goal, you may want to consider keeping your account active to ensure your payments continue to impact your score going forward.

If you still want to cancel your account, simply send us an email with “Opt Out” in the subject line and we will do the rest.

We value our users and are sorry to see you go. Please click here to let us know why you are canceling so we can better serve our users.

Cheers to your credit and financial success. Life is better with better credit.

I canceled my account. How do I create a new one?

Welcome back! If six months have passed since you canceled your account, you have two options for creating a new one:

Use a different email address

You can create an account using a different email address than your canceled account by signing up on the signup page.

Use your previous email address

If you would like to use the same email address you used for your canceled account, please contact our member support team from that email address. A specialist will be happy to help you re-create your account.

If six months haven’t passed, sit tight! You won’t be able to create a new account just yet.

Need help?

We are here for you. We want to make sure that your
Zingo experience is simple, safe and secure.

Contact Zingo Support