Meet Jehrel 👋
Three years with Piñata. 535 → 720 📈
🚗 New car approved
📝 Co-signer not needed
💸 Payments down almost $100 a month
🏡 Mortgage pre-approvals rolling in
All from paying rent like he normally did. Piñata handled the rest.
Let’s recap 👇
🚫 535 = closed doors, higher costs
✅ 720 = easier approvals, lower rates, real options
That’s the Piñata effect 🎉
Your rent doesn’t have to be a dead expense anymore — the smartest apps are flipping the script, turning every on-time payment into credit power and perks that actually pay off. It’s an exciting shift: renters are finally getting the credit (and rewards) they deserve.
You’ve been paying rent on time for months. Maybe years. Gold star. Adulting medal. Standing ovation. But here’s the kicker: those on-time payments aren’t really doing much for you—other than keeping your landlord happy and your Netflix streaming. In the eyes of the credit world? Crickets. Nada. Zero.
Sometimes the best surprise is the one you don’t see coming, like Nate’s landlord giving him a Piñata account. Two years later, his “mystery” rent reporting got him a 740 score and a dream house on the lake.
