YA Realty | Credit Building Program
Build Credit With Your Rent
As part of your YA resident experience, eligible residents are enrolled in the Credit Building Program, a resident amenity that reports on-time rent payments to the three major credit bureaus: Experian, Equifax, and TransUnion. Only positive, on-time rent payments are reported, so the program will not report unpaid rent or late payments.
Resident Benefits
When you pay rent on time, your payment history may help strengthen your credit profile over time. Score increases are not guaranteed and depend on your full credit history, including other loans, credit cards, and accounts.
Opting Out
You will receive an email from Boom after the start date listed in your lease agreement. The email will include a link and instructions to opt out before your first $8 charge, which will be applied on with your second month's rent payment and is reflective of the preceding month's payment activity.
You may also opt out using this link.
IMPORTANT: You must opt-out before the first day of the month. If your opt-out is approved after the first day of a given month, you will be unenrolled for future months, but the current month’s $8 charge will still apply.
Need Help?
For questions about enrollment, account access, or opt-out support, contact Boom at [email protected].
On-time only rent payment reports will be submitted to on behalf of all enrolled YA residents to the three major credit bureaus: Equifax, Experian, and TransUnion.
While every credit profile is unique and our partner cannot guarantee score increases, residents who consistently pay rent on time see an average increase of 28 points. For residents starting with a credit score under 550, the average increase is 73 points within the first six months.
It’s important to note that these average results reported from our partner assume no new negative items are added to your credit history during this time. For example, if you pay your rent on time but also have late payments on credit cards, auto loans, or other accounts, your overall credit score may not improve - or could even decrease - despite your positive rental payment history being reported through this service.
Good credit scores open the door to lower interest rates, better loan terms, and greater financial flexibility, saving you thousands of dollars over time.
Here's a real-world example: If you decide to buy a $15,000 used car with a $2,000 down payment on a 5-year loan, a credit score incrase of 80 points can result in nearly $3,000 in interest savings.
Your on-time only rent payments are verified through the property management software where make those rent payments.
All YA residents age 18 or older will be enrolled in our credit building service.
Residents who do not opt out of credit building services will be charged a monthly fee of $8 in their resident portal.
You will receive an email from our partner, Boom, with a link to opt out. You may also opt out using this link.
You may easily access your account and customer service support by downloading the Boom app on the App Store (iOS) or the Google Play Store (Android).
Email Boom customer service directly at [email protected].
$300 off your security deposit!*
*offer valid for approved applicants with no conditions. Must move in by 2/23/24.
With extreme cold expected today and throughout the week, please call 309-823-0179 if you are in need of emergency maintenance.
For all non-emergency maintenance, please login to your resident portal and submit a maintenance request.
Young America wishes you the best of luck as you start your new journey at ISU!
Please call 309-454-2338, or email [email protected], if you are still in need of housing for the 2024-25 school year!
UNLESS YOUR LEASE STATES OTHERWISE, YOUR MOVE OUT DATE IS MAY 11, 2024 BY NOON.
Early Move In key pickup begins today at the Bone Student Center!
Keys will be available to pick up from 8:30 AM to 4:00 PM!
For Current YA Residents, keys can be picked up starting at 8:30 AM. For NEW YA Residents, keys can be picked up starting at 10:30 AM.
If you took an Early Move In, please be sure that you have submitted your Move In Inspection.
To submit your move in inspection, please click the button below!
June Move-In will occur on Tuesday, June 4th at our student office located at 311 S. Main Street, Normal, IL.
Please refer to your 24-25 lease to verfiy your move in date.
Festival YA is right around the corner! Don't miss your chance to get the NEW YA t-shirt and win some giveaways!
Wednesday, August 28th
216 W. Mulberry (Kensington Suites)
10am-3pm
Festival YA is this week! Don't miss your chance to win some amazing prizes AND get the new YA t-shirt!
Wednesday, August 28th
216 W. Mulberry (Kensington Suites)
10am-3pm
Two days left until Festival YA! The giveaways are coming...
Wednesday, August 28th
216 W. Mulberry (Kensington Suites)
10am-3pm
ONE DAY until Festival YA! The giveaways are coming... don't miss your chance to get the NEW YA t-shirt.
Wednesday, August 28th
216 W. Mulberry (Kensington Suites)
10am-3pm
Festival YA is today! The giveaways are HERE... we can't wait to see you!
TODAY
216 W. Mulberry (Kensington Suites)
10am-3pm
Didn't get a chance to stop by Festival YA?
Come by our office today from 11am-1pm to get some lunch on us and grab the new t-shirt!
MARK YOUR CALENDARS!
Pre-Leasing Dates to Remember for the 2026-27 Year.
Starting on Tuesday, September 2, YA residents have the exclusive opportunity to renew their lease and receive an incentive!*
*Terms and conditions apply. Student properties only.
Why pack and move when you can renew and relax!?!? Starting today, YA residents have the exclusive opportunity to renew their apartment for the 2026-27 school year! Renew by September 12 to get the max incentive!*
*Terms and conditions apply. Student properties only.
Why pack and move when you can renew and relax!?!? YA residents have the exclusive opportunity to renew their apartment for the 2026-27 school year! Renew by September 12 to get the max incentive!*
*Terms and conditions apply. Student properties only.
Why pack and move when you can renew and relax!?!? YA residents have the exclusive opportunity until September 16 to renew their apartment for the 2026-27 school year!
Keep the apartment you already love and avoid early move-out hassles.
*Terms and conditions apply. Student properties only.
Please carefully read through the 2025 Student Move-In booklet.
Our modern student apartments are typically designed for groups of three to four and offer private suites within shared, high-end spaces at a price that rivals most one-bedroom units. Whether you already have a roommate or are hoping to find one, our leasing team can help guide you through your options and make luxury living a reality.
Effective February 2, 2026, Young America Realty
has expanded into the Peoria market through a partnership with Acceleration Properties.
We've got one month of rent covered for you on select 2 - 4 bedroom apartments.
Limited-time offer.
Learn More