Boom vs. Credit Rent Boost: Which Is Best For You?
Your Rent Is Your Biggest Monthly Expense. Why Isn't It Building Your Credit?
Most rent reporting apps require your landlord to sign up. These two don't. Here's how to choose the right one for your credit goals.
Disclosure: This site earns a commission if you sign up through our links — at no extra cost to you. We only recommend services we've researched thoroughly.
3
Credit Bureaus (Boom)
$3
Starting / Month
24mo
History Reporting
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Boom App Review: The Set-It-and-Forget-It All-Bureau Reporting App
If maximum credit bureau coverage is your goal, Boom is the clear frontrunner.
- Automated bank account syncing — Boom finds your rent payments automatically
- Zero landlord involvement required
- Reports to Experian, Equifax, AND TransUnion simultaneously
- Historical rent reporting available (up to 24 months back)
- Simple, intuitive mobile app interface
Boom is one of the only rent reporting services that hits all three major credit bureaus at once — giving you the widest possible credit impact.
Pricing
Starting at approximately $3/month (annual plans available) — one of the most affordable all-bureau solutions on the market.
Click here to try Boom and start reporting rent to all 3 bureaus →
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Credit Rent Boost Review: The Budget-Friendly Credit Builder That Reports Utility Bills Too
Want to stack your credit profile with rent AND utility history? Credit Rent Boost does it automatically — and it starts at just $6.95/month.
- Choose between digital bank verification or standard phone verification
- Reports rent payments to TransUnion
- Automatically includes FREE utility and cell phone payment reporting alongside rent
- Historical reporting bundles available
- Ultra-low entry price point — great value for credit stacking
Credit Rent Boost is the only service that automatically layers your utility and cell phone payment history on top of rent reporting — at no extra charge. That's more positive tradelines for your credit profile.
Pricing
$6.95/month ongoing — or choose a historical reporting bundle for a one-time boost. Utility reporting is included free with your rent reporting subscription.
Click here to try Credit Rent Boost and stack rent + utility history →
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Boom vs. Credit Rent Boost: Side-by-Side Comparison
Here's exactly how they stack up so you can make the right call for your situation.
| Feature | Boom | Credit Rent Boost |
|---|---|---|
| Bureau Coverage | ⭐ Experian + Equifax + TransUnion | TransUnion |
| Landlord Required? | ❌ No | ❌ No |
| Utility Bill Reporting | ❌ Not included | ✅ FREE — auto-included |
| Cell Phone Reporting | ❌ Not included | ✅ FREE — auto-included |
| Verification Method | Bank account sync | Bank sync or phone verification |
| Historical Reporting | ✅ Up to 24 months | ✅ Bundle options available |
| Starting Price | ~$3/month | $6.95/month |
| Best For | Maximum bureau coverage | Stacking rent + utility tradelines |
So... Which One Should You Choose?
Both are excellent. Here's how to pick the right one for your situation.
Choose Boom If...
- You want your rent reported to ALL THREE credit bureaus simultaneously
- You want the widest possible credit score impact
- You prefer a fully automated, set-it-and-forget-it experience
- Maximum bureau reach is your #1 priority
Choose Credit Rent Boost If...
- You want to build credit with rent AND utility/phone bills
- You want more positive tradelines on your credit profile
- You're looking for the most credit-stacking value per dollar
- Building a thick credit file is your strategy
Either way, you're making a smart move. Your rent is already paid — it's time to make it work for your credit score.
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