Zego Pay Credit Reporting FAQ
Zego has partnered with Self, a leading credit-bureau platform, to deliver enhanced rent reporting services to your residents.
Frequently Asked Questions
- What is Zego + Self Credit Reporting?
- What’s the difference between LevelCredit and Self?
- Do residents need to enroll?
- Is Self credit reporting free?
- How does Zego work with Self?
- What payments are reported?
- Are other payments reported (utilities, cell)?
- Why should residents opt in?
- What if residents pay different amounts each month?
- When will payments appear on credit reports?
- How will payments appear on the report?
- What if there's a reporting error?
What is Zego + Self Credit Reporting?
Zego has partnered with Self, a credit-building platform that reports rent payments to the credit bureaus to help residents build credit.
What’s the difference between LevelCredit and Self?
Self reports rent payments to all three major credit bureaus – Experian, TransUnion, and Equifax. You’ll also have the option to report utilities and phone bills to TransUnion and access additional credit-building tools.¹
Do residents need to enroll?
Yes, residents will receive an invitation from Zego to create a Self account and begin reporting. Here is the link to join.
Is Self credit reporting free?
Yes, credit reporting is free. Optional upgrades (like utility reporting) are available for $6.95/month.
How does Zego work with Self?
Zego shares verified rent payment info with Self. Self then reports those payments to the credit bureaus on the resident’s behalf.
What payments are reported?
Rent payments made via the Zego platform (ACH, debit/credit card) are eligible.
Are other payments reported (utilities, cell)?
Yes—if residents opt in, Self can report utilities and cell phone bills to TransUnion.
Why should residents opt in?
Credit bureaus recognize rent tradelines as valid credit data, helping residents establish or improve credit history—especially helpful for thin credit files.
What if residents pay different amounts each month?
No problem! Self will still report verified payments regardless of amount changes.
When will payments appear on credit reports?
Usually within 30 days of the verified payment being shared with Self.
How will payments appear on the report?
As a tradeline showing consistent, positive rent history under Self’s data.
What if there's a reporting error?
Residents should contact Self at rentandbills@self.inc or visit https://www.self.inc/contact.
¹Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion. Premium Reporting has a monthly subscription fee.