One of the most popular services Rental Kharma offers is the ability to retroactivly verify and report your past rental payment history onto your TransUnion credit report.
We call that "Past Reporting!"
TransUnion is the only Bureau or Credit Agency that is accepting past rental payment history to be added retroactively to your credit. That's rent you've already paid and we can easily add that to your credit report!
Past Reporting Time Frame
We can report up to 2 years, or 24 months, of past rental payment history.
That is counting from today's date.
If your lease has already ended and was no longer active or ended BEFORE the 24 months from today's date, we will be unable to record that information.
If you no longer are renting or have moved out of the rental you want to report, we cannot help your credit score.
This process can be completed in about 2 weeks time on average!
To join Rental Khama there's a $25 fee per person. If you want to report for your roommate/spouse/partner, you can add them onto your membership for $25. This will start the reporting from the current month.
If you want to include past rental payments, you can add on as far back as 24 months for $60. This $60 fee will report as far back as we can for your current rental for both you and your spouse. Read more about our pricing here.
We also offer ongoing reporting which is billed quarterly, not monthly. Please review to the pricing article above for details.
The Fine Print
While we are able to report up to 24 months of past rent payment history, there is an added bonus if you've been renting at the same address for a long time. If you have been renting at the same address for several years and have not relocated, we can also age the account, or back date it, to show it was opened at the start of your lease. This is only possible if you have no gaps in your rental history and have not moved. Your credit report will still only show 24 months of payment history, but the account opened date will reflect the very beginning of your lease. We have reported accounts over 2 years old, 5 years old, 10 years old and even one incredible case of over 30 years of renting the same apartment.
This little bonus has helped so many people that are long time renters!
Got any questions? We have answers! Please send us a message via our online chat feature. It's the little orange bubble right down there in the bottom right corner! You can also reach us with a phone call at 720-307-1466.