Frequently Asked Questions – Answered

What rent information do I need?

The more information provided, the more successful the verification process.  Please have this information ready for submission of your rent information:

  • Rental Address
  • Company name of your property manager or name of your individual landlord
  • Property manager or landlord contact info (phone, address and email)
  • Property Manager Website (if possible)
  • Rent Amount
  • Residency dates

Can I report prior rent history with Zingo?

Yes, Zingo offers two prior rent history upgrades. 

Zingo will report up to 24 months of payment history to the Bureaus on your current rental for a one-time payment of $19.95. 

With the “Zingo Plus” upgrade we report up to 24 months of rental payments on a prior rental address for a one-time payment of $29.95.  

Both of these prior rent upgrades allow you to add Payment History, which accounts for 40% of your credit score, to your credit report.

Effective December 1st, 2020, Zingo reports your go forward rent payments each month for $8.95 per month.

What type of rental agreements qualify?

Zingo supports rental payments made to property management companies and individual private landlords.

What’s do I get with Zingo?

With Zingo, we report your rent payments to the Bureaus every month.  We also provide you with an updated credit score via Vantage Score 3.0.  You can also access your score change history!  Most importantly, Zingo can boost your credit when you make your payments on-time every month.

How long do I need to live at my residence to report my rent?

We can begin reporting after your first month of rental payments.

Do I have to change how I’ve been paying rent?

Hopefully not.  While Zingo supports a wide range of payment methods, we cannot support Cash, ATM Withdrawal, Money Order or similar payment types.

What if I don’t always pay my rent the same way?

Try to.  To the best of your ability, you’ll want to pay your rent the same way every month.  If you do change your payment method, as long as the financial institution you made the payment from is linked in your account, Zingo should be able to see it.  However, keep in mind that it must still remain as one of the approved payment methods or you may need to upgrade your account to our Premium Plan to continue reporting.

What if I miss a rent payment or I am late with a payment?

Our recommendation is don’t do it, but we understand, life happens.  The main concern should be payments that are 30-days past the due date or later.  Ultimately, you want to keep all of your reported payments up to date and current.  Zingo is required to report the payments we see and the data we have while your account is open with us.

What’s the minimum age to sign up for Zingo?

You must be at least 18 years of age to be able to sign up for Zingo’s services.

What Is Zingo?

Zingo is a service that allows you to safely and securely submit recurring payments, like rent, to the credit bureau. We charge $8.95 per month for this service.

How does Zingo work?

Zingo’s technology platform, safely and securely 1.) verifies your personal information, 2.) verifies your rent payments, 3.) links to the source of your payments and 4.) submits your information to the credit bureau. Your rent payments are automatically updated monthly.

How safe is my information?

Extremely.  We use 256-bit level encryption – bank-strength security, to protect your information. Zingo strictly abides by government and financial industry standards for your safety and security.

Why does Zingo need my social security number?

Your social security number ensures your rent history is correctly matched to your credit profile.

Where does my rental data get reported?

Zingo only reports rental data to Equifax and TransUnion.

How long will it take to see a change in my credit?

There is no way to know the exact date, but Zingo users have seen a positive impact in as few as 10 days once we have verified your on-time rental payments with your landlord.

What’s the impact on my credit score?

It depends.  Zingo is unable to estimate the exact impact due to the many other factors considered when calculating a credit score.  Rent is one of the largest payments most individuals make, and a great indicator of one’s responsibility and ability to pay or repay a financial obligation.  Having a positive record of rent payments can help build your credit.

How will I know when my credit changes?

Zingo will notify you as soon as rent has been added as a tradeline to your credit report.  Also, through your Zingo Dashboard you’ll see your VantageScore 3.0 and be able to watch your score trends via the ScoreTracker.

How often will my rent get reported to the bureau once I sign up?

Monthly, once your account is setup and your information is verified.

What will the rent tradeline look like on my credit report?

A new tradeline called “Zingo Credit” or “Creditbility, Inc.” will appear on your credit report.  Creditbility, Inc. is the owner and operator of Zingo.

What if the rental payment data on my credit report as reported by Zingo is incorrect?

If you need to dispute any inaccuracy in the rental payment data that is appearing on your credit report, please click here to login to your Zingo account and file a dispute.  Within 5 business days of receipt of your notice of dispute, Zingo will conduct a reasonable investigation and make a determination of the status of the disputed information. You will be notified of the results of that investigation.

If I purchase a house, or I am no longer a renter, do I have to close the rental tradeline with Zingo?

It’s always best to inform us so that we may close the rental tradeline on your behalf.  If you forget to inform us, Zingo will reach out when we notice changes in payments and confirm with you at that time.

I see utilities, insurance and memberships in my dashboard, are those payments being submitted as well?

We are not reporting those payments yet, but we’re working on it.  We’ll let you know as soon as those features are ready.

Your address

If you move to a new rental property, you’ll need to go into your profile and update your address and rental payment information.

If your lease is up and you’re no longer a renter, contact Zingo support to close your account.

Your rent payment method

Please go into your profile and update your payment information.  Zingo may need more information to support the change. Zingo will notify you if additional information is needed.

You forgot your password

Please go to the Login page and select “Forgot password?” below the Login button, then follow the prompts.

You forgot the email address you used to sign up

Please go to the Login page and select “Forgot email?” below the Login button, then follow the prompts.

You’d like to cancel your account

To close your account you will need to either send an email or call Zingo With your request.

Note: Closing your Zingo account before your lease has ended will cause the tradeline to be removed which will have a negative impact on your credit score.


Telephone: 888-870-9618


You’d like to unlink your payment account

You can link/unlink your accounts by logging on to your Zingo account and clicking on “Accounts” at the top of the page. To properly report your rental payments to the bureaus, the account you use to pay your rent needs to remain connected to Zingo.
Note: Disconnecting your bank account could lead to your account being closed.
Closing your Zingo account before your lease has ended will cause the tradeline to be removed which will have a negative impact on your credit score.


Telephone: 888-870-9618


What is a credit score?

A credit score is a three-digit number, typically between 300 and 850, which is designed to represent your credit risk, or the likelihood you will pay your bills on time. In general, a higher credit score represents a higher likelihood of responsible financial habits. Credit scores are one of many factors used by lenders when determining your likelihood of paying back a loan.

Credit scores are calculated using the content of your credit report. Each of the three major credit bureaus uses a slightly different method of determining your score.

How are credit scores calculated?

The main factors involved in calculating a credit score are:

  • The number of accounts you have
  • The types of accounts you have
  • Your used credit vs. your available credit
  • The length of your credit history
  • Your payment history

If you look at your credit scores based on data from each of the three major credit bureaus – Equifax, Experian, and TransUnion – you may see three different scores. This is completely normal. Your scores may not all be the same because not all creditors and lenders report to all three bureaus. Many creditors report to all three, but you may have an account with a creditor that only reports to one, two, or none.

What is a VantageScore 3.0 credit score?

Information in your credit files at the three national credit reporting companies is used to calculate your VantageScore 3.0 credit score.  This information can be grouped into six categories, but not every category carries the same weight in your score.  

  • Extremely Influential
    • Payment history – pay bills on time
  • Highly Influential
    • Age and type of credit – maintain a mix of accounts over time to improve your credit
    • % of credit limit used – keep revolving balances low, under 30% of credit limits
  • Moderately Influential
    • Total balances / debt – reduce the amount of debt your owe
  • Less Influential 
    • Recent credit behavior – don’t open too many new accounts too quickly
  • Least Influential
    • Available credit – only open the amount of credit your need

What is a VantageScore 3.0 and FICO score?

Whereas VantageScore 3.0 groups information into six categories, FICO groups into five – each one representing a percentage of your score as follows:

  • Payment history: 35%
  • Amounts owed: 30%
  • Length of credit history: 15%
  • New credit: 10%
  • Credit mix: 10%

Furthermore, it can take less time to establish a VantageScore 3.0 than a FICO score. VantageScore 3.0 can produce a score with just a month or two of a consumer opening a credit account. FICO scores require six months of credit history.

Another difference is that some consumers who can’t be scored by most FICO models because of a limited credit history can still get a VantageScore 3.0. That’s because VantageScore 3.0 takes into consideration recurring payments such as utilities, rent and phone bills.

Need help?

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

Contact Zingo Support