Rent reporting builds your score over time — it's not an instant boost. A few things to know:
We send your rent payments to Equifax in a monthly batch.
Equifax typically needs 3 months of verified payments before they include rent in your score.
How much your score moves depends on what's already on your credit file:
Thin files (limited history): rent reporting can make the biggest difference, because there's not much else for the score to draw on.
Strong files (lots of well-paid credit): one rental record adds little — your score is already supported by what's there.
Files with negative markers (CCJs, defaults, missed payments): rent reporting can help, but those markers usually have a bigger pull on the score until they age off.
Rent reporting can never hurt your score, so it's worth keeping going.