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Tenants of Durham Community Land Trustees (DCLT) can enroll in reporting by:

1. Creating an online account with Zego.
2. Signing up to “Build Credit History” in your Zego account permits them to report your timely rent payments.
3. Pay your rent online each month through Zego by inputting your bank account information into Zego and either setting up automatic payments or making payments each month through this online portal.
4. Zego will automatically report your timely payments to all three major credit bureaus (TransUnion, Equifax, and Experian).

There is a fee for paying via debit or credit card, which CEF will not be able to cover.

For Durham Community Land Trustees tenants, you can start right away!

For Durham Housing Authority tenants, our timeline depends on DHA completing their set-up process—we will let you know when they are ready.

When you enroll, Zego will receive up to two years of your previous rent payment history, reporting all of your on-time payments during that time —developing an immediate positive history.

There are no specific guarantees on the timeline or increase in credit score. Still, rent reporting will build your credit history, which is important for giving future lenders, landlords, and other institutions a complete portrait of your credit history.

Yes.

Reporting rental payments allows renters to build positive credit history through regular, on-time rent payments without taking on any new debt.

The best part? Rent reporting for building your credit will only report positive rental data.

Unless you take out a loan or open a credit card, it can be hard to find opportunities to build a credit history. Not with rent reporting! Rent reporting will automatically boost your credit history through the payments you are already making.

This is a way to build your credit without spending extra money! do what you’re already doing!