Boom is a rent-reporting service that puts rent payments on credit reports two different ways: renters can sign up directly through the Boom app, and property managers can offer Boom’s reporting product — BoomReport — to their residents. Either way, the result is a rent tradeline on your credit file. If one appeared and you want to know why, the answer is one of those two paths.
What Boom is
Boom’s own materials describe rent reporting to all three major credit bureaus — Experian, Equifax and TransUnion — and BoomReport as a product property managers use to report their residents’ on-time payments. An independent rent-reporting industry registry lists Boom’s direct product the same way: positive rent data reported to all three bureaus, with ongoing reporting priced per month and an optional one-time back-reporting of up to 24 months of past payment history, no landlord involvement required for the direct sign-up.
Why Boom is on your credit report
If you signed up in the app, you know the answer. If you did not, your building may be a BoomReport property — Boom’s property-manager product exists precisely so that landlords can add rent reporting for their residents. Google’s own related questions for this company include “How do I opt out of boom rent reporting?”, which tells you how often the tradeline arrives before the explanation does.
If you did not sign up — your choices
Ask two separate questions. First, do you want the tradeline? On-time rent history is positive data, and the registry lists Boom’s reporting as positive-only — but no one is required to carry a tradeline they did not ask for, and if your building enrolled you, the opt-out runs through Boom or your property manager. Second — and legally distinct — is the tradeline accurate? If it is wrong, opting out is not the remedy; the Fair Credit Reporting Act is.
What can go wrong with a rent tradeline
Amounts that do not match your lease, months reported when you did not owe rent, back-reported history that does not match what you actually paid, a tradeline that keeps reporting after you moved out, or another person’s lease on your file. Rent history feeds real decisions — lenders and landlords review bureau data — so an error is worth fixing before it sits under your next application.
How to dispute a Boom rent error
Dispute with each bureau showing the tradeline — Experian, Equifax and TransUnion — identifying the rent entry and stating specifically what is wrong. The bureau must forward the dispute to the furnisher and conduct a reasonable reinvestigation. Keep your lease and payment records with the dispute, and pull all three of your files at annualcreditreport.com.
When it becomes a legal claim
If a rent tradeline that is not yours — or is wrong about you — survives your dispute, the FCRA lets consumers recover actual damages, and in the right case statutory and punitive damages, from the companies responsible. Rent-reporting services are a growing class of furnisher: our pages on Piñata , Esusu and Flex cover the others. If the lease on your file belongs to someone else, start with mixed credit files; our FCRA attorney page covers how these cases work.
What it costs
The FCRA is a fee-shifting statute: when a consumer wins, the company pays the attorney’s fees. You pay nothing unless we win.
Where your situation fits
We represent consumers against the credit bureaus and against the companies that furnish information to them — including rent-reporting services. Send us the report page showing the Boom entry and we will tell you whether we see a claim. Contact The Kim Law Firm for a no-cost review.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated August 2026.