Do you feel like you don’t get enough credit for being a great tenant? With RentPay ScoreBuilder, every payment you make can contribute to your credit score.

ScoreBuilder is a unique RentPay feature that helps improve your credit score. Each month that you have the ScoreBuilder feature, we report your payment status to one of Australia’s largest credit reporting agencies.

If you make regular rent payments through RentPay, reporting those payments to the credit reporting agency over time may positively impact your credit score.

This helps to improve your borrowing capacity for life’s bigger purchases, like a car or a property of your own.

To use ScoreBuilder, you must first activate your RentPay account and opt-in for the ScoreBuilder feature, either via the dashboard or when you finish activation.

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How does ScoreBuilder work?

  1. Opt-in to ScoreBuilder when you activate RentPay. It’s completely optional, and you can opt out at any time.
  2. There’s a one-time $3 fee to set up, and then $1 per month while you keep ScoreBuilder active. Being opted in to ScoreBuilder means you’re also able to access SafetyNet.
  3. Your account status is reported each month to one of Australia’s largest credit reporting agencies, which may have a positive impact on your credit score*.

Have questions? The RentPay support team is ready to help. Call us on 1300 797 933 or send us an email.

ScoreBuilder FAQs

How much does ScoreBuilder cost?
There’s a one-time $3 fee to set up ScoreBuilder and then $1 per month while you keep it active. Being opted in to ScoreBuilder means you’re also able to access SafetyNet.

How much will my score be improved by paying my rent?
The impact of ScoreBuilder and SafetyNet on your credit score will depend on a range of factors, including other credit facilities you may have outside of RentPay that can also impact your score such as credit card or loan repayments.

What if I miss a payment – will it harm my credit score?
If you have opted in to ScoreBuilder, a late or missed payment might be recorded on your credit report, depending on how late the payment was. Both late payments and defaults could have a negative impact on your credit score.

If you think you will miss a payment, please contact us in advance as we may be able to reschedule the payment for you or suggest an alternative option. If eligible, you could also consider accessing the SafetyNet feature of your account. Generally speaking, the sooner you get your account back on track the better the chance of minimising any impact on your score. You can find out more about how credit scores work here.

Does ScoreBuilder leave a record on my credit report?
Yes, you will see a record with the narration “One Card Credit – RentPay” on your credit report if you have opted in to ScoreBuilder.

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RentPay Technology Pty Ltd ACN 636 254 709 is an Authorised Representative of Flexewallet Pty Ltd – Australian Financial Services Licence number: 448066.

We are also the authorised representative of One Card Credit Pty Ltd – Australian Credit License Number: 390376. For more details on the product, please refer to the Product Disclosure Statement (PDS), User Agreement and FAQs.


RentPay is a digital wallet developed to give Australia's 7 million renters more control, flexibility and choice in how they pay rent. Founded in 2021, RentPay was designed by, Australia's largest pro-renter site serving hundreds of thousands of renters each month. RentPay is the only payment app in Australia that helps renters take control of their rental payments while also helping improve their cash flow and build their financial future.