Credit Reporting by Second Nature
How credit reporting works
A credit building service is designed to help renters boost their credit scores by reporting on-time rent payments to the major credit bureaus. Our service automatically logs these payments, providing residents with an opportunity to build credit just by paying their rent, one of their largest monthly expenses.
Credit Building with Second Nature
Second Nature partners with your property manager to report all on-time rent payments to the three major credit bureaus—TransUnion, Equifax, and Experian. If you have a rental history with your property manager, we can even back-report up to 24 months of payment history to give your credit score an immediate boost.
Credit Reporting in California
California's AB 2747 law allows tenants request that their property managers report their on-time rent payments to credit bureaus, starting April 1, 2025.
If you’d like to opt out of credit reporting services, please use the link below to complete the form.
If you would like to opt-in to these services, please contact your property manager to learn how to get enrolled.
CA Residents
Opt-out
Opt-out form
If you would like to opt-out of credit reporting services through your property manager, use this opt-out form link.