Today we will be using Credit Karma to look at our credit report and find our rental history!
First, log in to your free account, or create a new account using Credit Karma.
Next, go to your TransUnion credit report by clicking on "view score details" on the TransUnion score. It looks like a speedometer!
You will see a lot of very important and helpful information underneath your score, but for now, just scroll down to look at all of your accounts. You might see different types of accounts for credit cards, student loans, auto loans and maybe even some other items. Today, we are looking for Rental Kharma. Rental history will be listed as an "Other Loan" or "Other Account."
Hooray! Your rental information was successfully added to your credit report! Click on the account "Rental Kharma/Residence" to see more!
Not seeing "Rental Kharma/Residence" yet? Typically it takes anywhere from 7-10 business days for your information to be added to your credit report after we verify and send off your rental history.
The general overview of your account at first glance might be confusing. Why is my balance $0.00 when I am paying my rent? That is because your rent is paid in full every single month! You will see the highest balance listed and monthly payment both show your rent amount. This type of account, "Rental Kharma/Residence," is an open trade line because it is always being paid off and the balance returns to $0.00 each month, unlike other loans and credit cards.
You can also see the payment history for your rental information. If there are any payments that were over 30 days late, those will appear as well. As you can see, the most recent month Rental Kharma was able to verify is July 1st 2017. Sometimes, your credit report takes a little bit of time for everything to accurately display all the months that have been paid.
If you have any questions about finding Rental Kharma on your credit report, please give us a call. Our number is 720-307-1466. We would be more than happy to help! You can always contact us for status updates, live help, or if there are any missing months on your account. We also offer free credit analysis sessions where we can help you identify further steps to continue on your journey of success. Why?