Build credit with your rent

Sign up with Octopus directly. You don't need your landlord to join: we check who you are and that you pay your rent, then report your on-time rent to the credit bureaus each month.

Tell us about you and your homeLegal name, date of birth, Social Security number, address and rent.
Upload your documentsA photo ID, a selfie, your lease, and proof of your last 3 rent payments.
We reviewUsually within 3 business days. We may call your landlord to confirm your lease.
Reported every monthEach month you send proof that rent was paid; we report it. Cancel any time, online.

$4 a month with auto pay, or $36 a year (works out to $3 a month). Signing up and our review are free: you choose a plan and pay only after we approve you. Cancel any time, online.

Only on-time rent is reported in this program. A month we can't confirm as paid on time is not reported as late.

Is your landlord already enrolled with Octopus, or do you want us to contact them instead? Use this form.

About you

Use your legal name exactly as it is on your ID.

First name

Middle name

Last name

Suffix

Date of birth

Social Security number

The credit bureaus need it to put your rent on the right credit report. It goes straight to our locked database and is never shown in full to anyone who doesn't need it.

Mobile phone

Your home and rent

Street address of the home you rent

Apartment or unit

City

State

ZIP code

Move-in date

Monthly rent you pay

Part of my rent is paid by Section 8 or another program. (Enter only the part you pay.)

Rent is due on day

How you pay rent

Your landlord or management company

We may contact them only to confirm your lease and rent. They don't have to sign up.

Name

Phone

Office or payment address

Your documents

Clear photos or PDFs, under 10 MB each. Make sure every corner and all the words can be read.

Photo ID, frontDriver's license, state ID, passport or other government photo ID. Not expired.

Photo ID, backIf your ID has a back side.

Selfie holding your IDYour face and your ID in the same photo, so we can see it's you.

Your leaseThe signed pages showing your name, the address, the rent and the dates. Up to 3 files.

Proof of your last 3 rent paymentsOne for each month: bank statement lines, rent portal history, cancelled checks, money order receipts or landlord receipts. Each must show the date and the amount. You can black out account numbers.

Proof of address (only if your ID shows another address)A utility bill or bank statement from the last 60 days with your name and this address.

Check and agree

I authorize Octopus Capital Group, Inc. to verify my identity and my rent payments, including by contacting my landlord, and to report my rent payments for the address above to Experian and other nationwide credit bureaus each month while I am enrolled. I understand that only on-time payments are reported in this program, that months already reported stay on my credit report as they were sent, and that I can cancel at any time. Everything I entered is true, the documents are mine and unchanged, and I am the person named on the lease. I understand that false information can be a crime and will end my enrollment. I agree to get notices, records and this agreement electronically, by email and on this website, and to sign it electronically. I need an email account and a device that can open web pages and PDF files. I can ask for a free paper copy of anything, update my email, or withdraw this consent at any time by contacting Octopus; withdrawing ends online enrollment. I have read the program terms and the privacy policy. I won't be charged until Octopus approves me and I choose a plan ($4 a month with auto pay, or $36 a year) and agree to it. Optional: text me reminders about my enrollment at the phone number above. Message and data rates may apply. Reply STOP to stop.

Website

We got your sign-up

Your reference number is

Keep it: you need it with your email to check or cancel your sign-up. We usually review within 3 business days and will email you. Nothing is reported and nothing is charged until we approve you and you agree to the monthly price.

Back to the website

Choose your plan

Reference number

Email you signed up with

Monthly, auto payCharged automatically each month. Cancel any time.$4.00/mo Yearly, save 25%One payment a year, works out to $3 a month. Unused full months are refunded if you cancel.$36.00/yr

Your sign-up

For tenants already building credit with their rent through Octopus. Each month, upload proof you paid your rent and we report it to the credit bureaus. You can also check your sign-up or cancel here.

Not signed up yet?Your rent is your biggest bill. Let it build your credit: no new loan, no new card, and your landlord doesn't need to take part.

Reference number

Email you signed up with

Rent month

Proof this month's rent was paidBank statement line, rent portal receipt, cancelled check or money order receipt showing the date and amount.

Reason (optional)

Lost your reference number? Call 1-800-989-2080 or email accounts@octopuscg.com to cancel.