The Rental Exchange

Information for Tenants

Rental Exchange - What is happening?

Whether you are a social housing tenant, or renting privately, we believe that you should get credit for paying your rent on time. The Rental Exchange is a way to enhance your credit report without needing to take on new credit agreements.

This can happen in one of two ways:

  • If you are a social housing tenant, your landlord can provide your rental payment record to Experian on a regular basis.
  • Alternatively, should you rent privately, you can share your rent payment history with Credit Ladder, the tenants rent managment company working with Experian.

Whichever way you choose, you will then be recognised for paying your rent on time, in the same way homeowners are recognised for paying their mortgage each month. 

How will I benefit?

Sharing your rental payment history will help create an online proof of identity, proving you are who you say you are and that you live where you say you live. Proving this makes you a more reliable potential customer to companies.

A higher credit score means it may become easier for you to:

  • Open a new bank account
  • Get a new credit card
  • Have a loan application approved
  • Shop online
  • Arrange a better utilities tariff, or qualify to pay for gas/electricity via a non-prepay tariff
  • Receive better mobile phone rates
  • Apply for a mortgage

Watch our short video to see how The Rental Exchange can benefit tenants:

The Rental Exchange tenant video

To find out more about your credit report and what it contains, please visit the Credit Expert website here

 What will I have to do?

There are two ways to share your data and benefit from sharing rental payment history.

  1. If you are a social housing tenant, your landlord can sign you up to the Rental Exchange and they will inform you if they do so.  However, if your landlord is not signed up and you would like to start benefiting, ask your landlord to get in touch.
  2. If you currently rent privately, you can sign up to Credit Ladder by clicking here. Credit Ladder (the tenants rent management company) are a rent collection agency, who will channel your rent payments to your landlord (same day) and share this payment history with Experian, more information is available on the Credit Ladder website.


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