Entrata Rent Reporting Fee, the RentPlus Lawsuit and How to Opt Out

What does the Entrata RentPlus lawsuit say?

On 31 May 2026 Towards Justice and the firm Kelly Guzzo, PLC filed a proposed nationwide class action against Entrata in Colorado. The plaintiffs, Uriah Fish and Kelley Rowan, allege that RentPlus uses an "auto-enrollment scheme": renters were enrolled as part of signing the lease and charged a monthly fee, and Entrata's own case studies show enrollment rising once renters had to opt out rather than opt in. The complaint also alleges that participating landlords receive kickbacks, and it cites the Credit Repair Organizations Act, which restricts what credit-improvement services can promise and charge.

These are allegations in a complaint. No court has ruled, Entrata has said RentPlus helps renters build credit through on-time payments, and the case may change before it is decided. Entrata has also disclosed in a securities filing that it is a defendant in other class actions over rent reporting. If you are weighing whether to keep paying, the lawsuit is not a reason to assume you were overcharged. Your own ledger and lease are the facts that matter.

How do I opt out of Entrata rent reporting?

Start with the lease. Find the addendum or fee schedule that lists rent reporting, credit reporting or RentPlus, and read whether it is optional. Then email your property manager and ask three things in writing: whether the charge is optional, how to remove it, and from which month the fee stops. Keep the reply.

Some buildings let you decline in the resident portal, others only through the leasing office. If a manager says it is mandatory, ask which lease clause requires it. A rent reporting charge you cannot remove may be worth raising with your state attorney general's consumer protection office or the CFPB, which take complaints about credit reporting and fees. Months already reported stay on your file. Stopping the charge only stops new months being added.

Which credit bureaus does Entrata report your rent to?

It depends on your building. The RentPlus FAQ says it reports "to either Experian, Equifax, or TransUnion, or all three depending on the contract we have set up with your property management company." The price on your ledger does not change either way, so you cannot tell which one you have from the bill.

Check instead. Pull your free weekly reports at annualcreditreport.com two to three months after the first charge and look for a rent account. If you pay $9.95 a month, $119.40 a year, and the tradeline appears at only one bureau, the benefit is much smaller than the marketing suggests.

Is Entrata rent reporting worth it?

It is worth keeping only when the tradeline lands where your next lender looks, that lender uses a score model that reads rent, and the fee is low next to the alternatives. FICO Score 8 and the classic mortgage scores ignore rent data, while VantageScore 3.0 and 4.0 and FICO 9 and 10 read it. If your score is low because of high card balances or a collection, a rent tradeline will not touch the cause.

Cheaper routes exist when you want rent reported. Zillow CreditClimb is $20 a year, Bilt is free if you pay rent through Bilt, and Boom is $5 a month. See our Zillow rent reporting review, Bilt rent reporting review and the best rent reporting services. AppFolio and Buildium buildings run into the same pattern, covered in our AppFolio rent reporting review and Buildium rent reporting review.

Where CreditPal fits

CreditPal answers the question before you pay or cancel: would a rent tradeline move the score my lender actually pulls? It connects read-only, explains in plain English what is helping and hurting your score, and lets you add a rent account in the credit score simulator to see the effect first. If the real drag on your file is a late payment, high utilization or a collection, CreditPal shows that, so the $119 a year can go where it counts.