Pinch is a free mobile app that allows tenants to report their rent payments to all three major credit bureaus, helping them build credit history and increase their credit scores over time. By recognizing that on-time rent payments indicate responsible credit behavior, Pinch aims to provide a way for previously unscorable individuals to establish creditworthiness and gain easier access to loans. The app rewards users for paying their rent on time by reporting verified rent payments to the appropriate credit bureaus every month.