How do I sign up for credit reporting? (I am not linked with a property management company or landlord)


1. Select the 'Credit' tab at the bottom of the app screen (the second one from the left). 


2. Click the (1) box 'Tell us about your rental'. Fill in your lease information and then click 'Submit'.

*Depending on when you created your account, this may already be finished for you. If so, feel free to move on to Step 2. 





3. The next step is to 'Find your rent payment'. First, select how you pay your rent each month (Check from my bank account, Transfer from my bank account, etc.)


4. Click through the next few screens as you get connected with Plaid, which is the service that will help you locate your rent payments. 


5. Find your bank when prompted to 'Select your institution'. Login to your bank with whatever credentials you use to access it on-line, and then you'll be prompted to select a transaction from your account (if we cannot locate your transaction, you will be walked through the steps to manually confirm it). Once you confirm your payment, Step 2 is complete and you'll earn 20 Piñata Points! 


6. The final step is to verify your identity - select the button to 'Verify your identity' to begin the process. Confirm your personal details on the next few pages. Then, you'll be asked to input your date of birth and social security number. This information is required by the bureau to verify your identity. 


7. You will receive a text message to verify your phone number - once you confirm that text message, you'll be all set! 


8. You're all set! Congratulations! Remember, you can always reach out to us at for any questions, comments, or concerns you may have. 




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