We went with Array because they made it 10x easier to stand up a consumer-facing solution. We haven't looked back since.

Will Dunn, Co-founder at Gravy
REALPAGE x ARRAY

Powering Credit-Building
Through Smarter
Rent Reporting

Impact at a glance

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Increased speed

2x faster processing
(cut from 2 weeks →
3 – 4 days)
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Boosted security

Reinforced compliance and fewer internal escalations
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Custom-fit solution

Tailored credit bureau formatting support
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Strong partnership

Trusted consultative relationship with ongoing impact
Array + RealPage Logos

RealPage and Array:
Helping Renters Thrive

RealPage®, a leading global provider of AI-enabled software platforms to the real estate industry, empowers renters across the U.S. with a rent reporting service that helps renters build credit by reporting on-time rent payments to major credit bureaus. To support this initiative, RealPage partnered with Array, a trusted expert in Metro 2® formatting (the industry standard for credit reporting) and credit data processing, to streamline and scale rent reporting across its platforms—including LOFT™, Buildium®, and SimpleBills®.

Market Demand

In 2022, RealPage identified the growing demand for credit-building opportunities through rent payments and leveraged its resident experience platform, LOFT, to offer unmatched value to residents. Recognizing Array’s reputation for excellence in Metro 2 formatting and credit bureau-compliant data processing, RealPage engaged Array to enhance RealPage’s rent reporting capabilities.

 

The Solution

Array was selected for its proven track record in consumer-permissioned credit data, and for its deep understanding of Metro 2 file structure—a cornerstone of successful credit reporting.
 
The partnership delivers a range of strategic benefits for RealPage clients and their residents, including rapid file processing, enhanced compliance, and tailored solutions for credit bureau-specific requirements. These advancements build on RealPage’s broader capability to support operational excellence for their clients and financial wellness for consumers.

Beem's AI Super App:
A One-Stop Shop for Financial Wellness

Beem's Super App is a comprehensive platform that empowers users with an array of essential life services. Here's how it transforms lives:
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Early Access to Verified Deposits

Beem's proprietary AI consumer composite index allows users to access verified deposits, alleviating financial stress during unforeseen circumstances without income, credit, or other restrictions.
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Discounted Essential Life Services

Beem’s AI consumer composite index, tailored for each individual and family, has made over 14 billion decisions for millions of working Americans. It identifies unnecessary cash drains, curates relevant solutions — maximizing savings and making essential resources accessible regardless of income, immigration status, or credit score.
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Financial Literacy
through AI

Beem's AI goes beyond offering services. It educates users by analyzing transaction history and providing personalized insights. Users receive recommendations to improve their financial habits and build a strong financial foundation for themselves and their families.
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Frictionless Payments and
Secure Transactions

Beem facilitates seamless payments and secure transactions using individuals’ existing cards or linked accounts without appending their lives in any way. Additionally, Beem AI’s real-time spending analysis empowers users to track their finances and make informed decisions on time.
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Building Credit History

By integrating financial transactions into the Beem ecosystem, individuals who may not have a traditional credit history can begin to build a positive financial profile and build credit in new and existing scoring systems. This opens doors to future financial opportunities.

Quotes@2x

The process is night and day compared to when we launched. Now, we generate and process files in just a few days—and Array’s team is always accessible when we need them.

Robin Watson
Product Manager at RealPage

Driving Real Impact with Measurable Results

Faster File Turnaround

Array’s solution cut an up-to-2-week file turnaround to just 3–4 days, freeing up RealPage’s internal resources.

 

Strengthened Compliance

Array amplified RealPage’s compliance processes, bringing efficiency and enhancements to its compliance posture.

 

Credit Bureau-Specific Expertise

When one bureau required a unique file format, Array stepped in with custom support to ensure accurate and timely delivery.

 

Consumer Growth

Array’s partnership has driven a 33% increase in RealPage’s rent-reporting renters, reflecting improved operational efficiency and a readiness to scale.

 

Responsive, Reliable Service

The Array team served as a dependable, expert partner for everything from billing discrepancies to nuanced data questions.

 

Ongoing Consultation

From historical tradeline reporting to evolving dispute logic, Array continues to partner with RealPage as its rent reporting solution grows.

Quotes@2x

We’re proud to support RealPage’s mission of helping renters build credit. Our partnership goes far beyond processing files—we want to help RealPage scale with confidence, navigate complex credit reporting requirements, and deliver real value to residents.

Ryan Woerner
Operations Manager at Array

Why It Works

Array delivered both technical expertise and perspective. With a consultative, problem-solving mindset, this partnership enabled RealPage to scale confidently and more quickly in a complex, highly regulated space.

My Credit Manager

Empower users to view and monitor their credit health

Array's My Credit Manager Product Dashboard

Offers Engine

Personalize users' experiences with  relevant offers

Array's Offers Engine Product Dashboard

Privacy Protect

Help your users keep their personal information off the web

Array's Privacy Protect Product Dashboard

Identity Protect

Provide peace of mind and security from identity theft

Array's Identity Protect Product Dashboard

Get started with Array.

Join RealPage and hundreds of other organizations who are driving impact and revenue with Array's embedded finance products.
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©2024 Array US, Inc. All rights reserved.

©2026 Array US, Inc. All rights reserved.