We currently report to TransUnion. We are in communications with Equifax and Experian to bring them on board with us. When we add additional bureaus we will report your data to them at no additional cost for our existing members.

The 3 Bureau Misconception 

Most people have the misconception that data needs to be reported to all 3 bureaus. The reality is that is not the case. When lenders pull your credit reports they combine all the data into one report. When they see duplicate information, they simply delete the duplicates and continue on with the underwriting for a loan.

For example, all home loans in the US are processed through a government program called Fannie/Freddie. When the mortgage officer pulls your credit file they pull from all 3 bureaus (TransUnion, Equifax & Experian). If you do not have a score on all 3, then they will use just the ones you do have data with.

When they pull your report they upload it into the underwriting program and ALL duplicate data is deleted or disregarded. So if you have your rent on one bureau, that is all you need to keep you moving towards success. 

If you have a car loan for $30,000 reporting on all 3 credit reports, the underwriting program goes not think you own 3 cars and have 3 x $30,000 in debt. It recognizes they are the same and simply deletes the duplicates. 

You should read our reviews, as about 70% of our members use Rental Kharma to purchase a home. https://www.facebook.com/pg/rentalkharma/reviews

Remember, we do have a 100% Money Back Guarantee policy. You can also call us at 720-307-1466 Monday through Friday, 8am-6pm MST. 

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