Home/RentCredit
First in Malaysia

Pay rent.
Build credit.
Own your home.

For the first time in Malaysia, every rent payment you make will be reported to CTOS as a positive credit record. Your biggest monthly expense is about to start building your financial future.

The Problem

Your rent payments
are invisible to banks.

You pay RM1,800 every month without fail. For 3 years. RM64,800 of reliable financial behaviour that CTOS has never seen and banks cannot access.

When you apply for a home loan, the bank looks at your CTOS score, which is based on credit cards and loans. Three years of perfect rent payment counts for nothing. That's about to change.

Payment history matters most
45%
of your CTOS score is based on payment history. This is the single biggest factor.
With RentCredit, your monthly rent payment becomes part of that 45%. Every month you pay on time, your CTOS score improves.
How RentCredit Works

Three steps to a
stronger credit profile

1
Pay rent through Tanpa Ejen
No change to how you pay. Your landlord sets up the platform. You make one mandate and rent is collected automatically every month.
2
We report to CTOS monthly
Each confirmed payment will be submitted to CTOS as an Electronic Trade Reference. Your rent history will appear on your CTOS report within 30 days. (Launching soon — join the waitlist to be first.)
3
Your CTOS score improves
After 12 months of clean payments, you have verified credit history. Banks see you as a reliable borrower. Home loan applications become significantly stronger.
The Path to Home Ownership

12 months of rent.
A home loan application
banks can approve.

Under Skim Rumah Pertamaku, first-time buyers aged 18 to 40 earning below RM5,000 per month can access 100% financing on properties up to RM500,000.

A strong CTOS profile built through RentCredit significantly improves your chances of approval and can help you access better interest rates.

Calculate your home loan →
RentCredit Profile
Ahmad Farid, 28
Tenant · KL Condo · RM1,800/month
Before
573
After 12 months
697
12 consecutive on-time rent payments. CTOS now shows verified payment history. Home loan application approved under Skim Rumah Pertamaku.
FAQ

RentCredit questions answered

Yes. Canopy launched a similar product in the UK. TurboTenant has it in the US. Nobody has done this in Malaysia or Southeast Asia until Tanpa Ejen. This will be genuinely the first time Malaysian rent payments can be reported to CTOS as positive credit history. RentCredit is currently in development — join the waitlist to be notified at launch.
Your landlord needs to use Tanpa Ejen as the platform for rent collection. This is free for landlords. Once they are set up and you have joined via their invite, RentCredit is activated with one checkbox. Ask your landlord to sign up at tanpaejen.com.my.
Each payment is submitted to CTOS within the same month. CTOS updates reports within 30 days. You should see your first trade reference appear after 1 to 2 months. Meaningful score improvement is typically visible after 6 months of consistent payments and significant after 12 months.
Yes. RentCredit is free for tenants who pay rent through Tanpa Ejen. There is no subscription or setup fee. The only cost is if you choose to use premium tenant features.
For tenants

Ask your landlord to
use Tanpa Ejen.

Your landlord gets free rent automation. You get a credit profile that banks can see. It takes them 5 minutes to set up.

Forward to landlord via WhatsApp Landlord? Sign up free →
📋 Copy this message to your landlord
"Hi, I nak tanya — boleh kita guna Tanpa Ejen untuk bayar sewa? Free untuk landlord, and I boleh build CTOS credit score through rent payments. tanpaejen.com.my/rentcredit"