Renters kind of get the shaft when it comes to building credit.

If you miss a rent payment, that’ll probably be reported and ding your credit score. But if you make on-time payments every month for years and years? No one tells the credit bureaus about that.

That’s a seriously raw deal. And it exacerbates economic inequality, because renters are more likely to come from communities and families that were already struggling with money more than their home-owning counterparts (whose mortgage payments are always reported).

Renters deserve better credit for their responsible financial activity — and we’ve found a way for you to get it.

Here’s why we love Piñata.

Get Credit for Rent Payments with Piñata

Piñata is a new service that reports your rent payments to all three major credit bureaus. It even offers free back reporting, so you can get credit for rent payments you made before signing up!

A positive payment history is a huge factor in your credit score, so reporting on-time rent payments can have a major impact. Piñata says members saw average credit score increases of 60 points in their first year using the service.

Something we love about Piñata: Unlike with many other rent-reporting services, your landlord doesn’t have to be a Piñata member for you to get the benefits. If your property is already enrolled, you’ll see that when you sign up. But if it’s not, you can still create an account for yourself and have your rent reported.

Another great detail? Piñata only reports on-time rent payments. So you’re not increasing your risk of late-payment reporting by signing up. (Your landlord might still report those, but see above: They could already do that, anyway.)

Piñata membership is just $5 a month (paid annually). And when you sign up through KashKick here, you’ll also earn $10 in kash rewards!

More Perks for Paying Rent

A credit score boost is a pretty cool perk all on its own — but Piñata still wants to give you more.

The app has lots of other rewards to offer. You’ll be entered into weekly giveaways, where they give out $2,000 in prizes every week — things like smart TVs, Target shopping sprees and even months of free rent.

We think that’s pretty cool!

Plus, if you use Piñata’s built-in checking account to pay rent and build your savings, you’ll earn rewards for every dollar you save and spend. You can cash out rewards for gift cards to your favorite brands or products from Piñata’s marketplace.

Level Up Your Renting Life

Homeownership isn’t for everyone — and you shouldn’t be punished for sticking with a rental. Piñata gets this, and it’s here to help you enjoy the perks without suffering the penalties.

Sign up for Piñata through KashKick, and you’ll get:

  • $10 in kash rewards.
  • Credit score reporting and free back reporting.
  • Entered to win weekly giveaways of prizes, shopping sprees and free rent!
  • Rewards for every dollar you spend and every dollar you save.

Use Piñata to level up your life as a renter — and get the credit you deserve!