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If your lease has already ended and was no longer active or ended BEFORE the 24 months from today's date, we will be unable to record that information.
This process can be completed in as little as 2 weeks time!
Past Reporting Cost
The cost to report past rental history is $5 per month. That's right, just $5 a month for every month you would like to report in the past. The $5 charge covers both your rental history and if you have a roommate. The only additional fee for past reporting is our $25 registration fee per person. Read more about our pricing here.
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.