Build Smart. Grow Strong. Stay Funded.

Turn Your Rent Into Credit-Building Power

Get credit for the payments you already make each month — and watch your score grow.

Why Rent Reporting Matters

You pay rent every month. Isn’t it time it started working for you?

Most landlords don’t report rent payments to credit bureaus — which means your largest monthly expense does nothing to help your credit.

At Carter & Co., we change that.

Our Rent Reporting Service allows you to add your rent payments to your credit profile, helping you build history, improve your score, and unlock new financial opportunities — without taking on new debt.

How Rent Reporting Helps Your Credit

Adds positive payment history to your credit report
Improves credit mix and score factors
Helps thin credit files show active accounts
Raises your score without credit cards or loans
Increases approval odds for housing, funding, and more

Who This Is For

Renters who want to build credit without borrowing
First-time credit builders (students, young adults)
Individuals rebuilding after financial setbacks
People preparing for major purchases (car, home, business funding)
Want an affordable way to grow your credit profile — fast
Have limited or no traditional credit lines

How It Works

Sign Up & Verify Your Lease: We collect basic info about your rental agreement and landlord (or property manager).
We Report Your Payments: Your rent history is reported to major bureaus (Experian, Equifax, and/or TransUnion depending on the plan).
Reporting begins: We report your on-time payments to major credit bureaus each month.
Track your results: Most clients see score improvements in 30–45 days with ongoing positive history month after month.

Our Promise

Clarity

We break down financial topics so you can make informed decisions

Support

You’ll never be left guessing, with access to tools, updates, and real humans

Access

We create opportunities for those who need real solutions, not just advice

Your Success Is Our Mission

At Carter & Co. Consultants, we believe that access, structure, and strategy are the foundation of personal and business success. We’re more than just consultants — we’re your partners in progress.

Founded with the mission to simplify complex financial and business processes, Carter & Co. was built to serve everyday entrepreneurs, side hustlers, service professionals, and aspiring business owners who are often overlooked by traditional systems.

Whether you’re looking to build your business credit, repair your personal credit, form an LLC, or get access to funding — we’re here to guide you every step of the way.