Can I build my credit history with Cozy?

(For renters)

Cozy will be turning off Rent Reporting soon and your rent payments will no longer be reported to Experian once we turn off this feature permanently. If you currently have Rent Reporting enabled, your previous payments will still appear on your Experian credit report as an ended tradeline.


What Rent Reporting looks like:

If you've turned on Rent Reporting, here's what the tradeline will look like on your credit report in Cozy (Edc is short for Experian Data Corporation):

How a Rent Reporting tradeline appears on an Experian credit file

Tip: Your tradeline will always show a balance that is equal to your monthly rent payment.


How do I turn off/remove Rent Reporting?

You can stop reporting your rent at any time by toggling the "On" button to "Off". If you turn off Rent Reporting before the end date on your lease, the Cozy tradeline may be deleted from your Experian credit report. 

If you skip paying through Cozy for a month, your report will show "No Activity" for that month. That means if you want to pay outside of Cozy for a month — that's okay. It wouldn't be treated as a late payment on your credit report. 

Credit history built through Cozy and Experian RentBureau shows up on Experian credit reports. If you need to dispute the rental information reported on your credit report, please email creditdispute@cozy.co. You can also send us an email if you'd like to remove the Cozy tradeline from your Experian credit report for any reason.

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