Rent credit reporting
Every on-time monthly payment is reported to the credit bureau. After six months, tenants have a real credit history — often for the first time.
Credit
Rent that finally counts for something.
Every monthly payment you make through Yuniyo — rent, maintenance, utilities — is reported to credit bureaus and builds a portable tenant score that moves with you between cities, landlords, and life stages.
- Rent reporting to credit bureaus
- Portable tenant reputation score
- Deposit alternatives backed by your score
Everything you get
One product, every moving part.
Credit is not a bundle of loose features — it’s a coherent platform with each of these pieces designed to work with the next.
Payment history
Rent and dues become a useful financial record.
When recurring residential payments already flow through Yuniyo, on-time behaviour can become a structured credit signal.
Tenant reputation score
A portable, privacy-respecting score built from real payment history. When you move to a new city, your landlord doesn't start from zero on you.
Landlord verification
Landlords see a verified, consented history at a glance — paid-on-time ratio, tenure, dispute count. Vetting takes minutes, not weeks.
Deposit alternatives
Strong-score tenants unlock low-cost rent insurance instead of locking up two months in cash. The landlord is still covered; your money stays yours.
Credit health dashboard
Tenants see their score, its factors, and simple tips to improve it — like a fitness tracker for financial trust.
Instant tax-ready statements
HRA statements, landlord PAN details, rent receipts — downloadable any month of the year, audit-ready.
How it works
From day one to daily life, in four beats.
01
Pay through Yuniyo
Rent, maintenance, and utilities routed through the platform. Residents can pay via UPI, card, autopay or netbanking — whatever they already use.
02
We verify and report
Each payment is verified against the landlord ledger. On-time payments are reported monthly to the credit bureau — nothing that isn't genuinely paid.
03
Your score builds over months
Within six months, most tenants see a meaningful credit score. Within a year, they have a documented history that a bank cannot argue with.
04
Unlock better deals
A strong score opens doors: rent without deposits, larger apartments, better locations, home loans sooner, faster personal loan approvals.
FAQ
Questions we get in almost every meeting.
If yours isn’t here, we’re on email and usually reply within a day.
We partner with licensed credit information companies. Monthly payments that are verified and on-time get reported with the tenant's explicit consent; disputed or late payments are handled transparently.
Every rent payment should count. Now it does.
Join the tenants already building a credit history on what they were going to pay anyway.
Start with your buildingA product lead replies within one business day.
The rest of the platform