How much will rent help my credit score?

It would be impossible to provide specific numbers. Credit scores are based on each individual’s unique situation. However, we do promise that renters who use the service benefit by adding positive credit history to their credit report. We offer a 100% Satisfaction Guarantee that your rent payments will appear on your credit report. 

On average, people that verify 2 years, or 24 months, of rental history that already have established credit see an increase of 30-50 points with the first upload. This is based on the results people have shared with us in Facebook, Yelp and Google reviews and these averages are not a guarantee or a promise, but they do provide a good range. People that do not have a credit score or are scored as a 0 jump up to the mid 600s by adding 2 years of rental payments to their credit.

Do you need my Social Security Number/SSN?

We do not need your Social Security Number during registration. We are able to match you to your credit file with your Name, Address, Date of Birth and other items through the system at the credit bureau. If we run into any questions, we will call you to confirm that we have the correct file and confirm the last 4 digits of your SSN, or in some cases, request you send in a photo of your state issued ID and social security card.

What credit bureau do you report to?

We are able to report your rent payments to TransUnion. In the future, we will submit your rental payments to the other credit bureaus at no extra charge to you. TransUnion is the only bureau that accepts and allows past rental payments to be added at this time. We are working very hard to bring Equifax on board as well.

What if I’m late with rent?

Rent payments are only considered late on your credit report if rent is over 30 days late. As long as you pay rent within 30 days of due your rent is considered on time on your credit report. If you have been 30 days late or think you will ever be 30 days late, our services may not be for you, as we are required to report all of your payment history.

Do I qualify to use Rental Kharma?

To see if you qualify to use Rental Kharma, follow this link to take the qualifying quiz!

Does my Property Manager Qualify?

Rental Kharma can only accredit Property Managers that manage a minimum of 50 units and can easily be validated as a property management company through research done online. Renters with Property Managers smaller than 50 units will be required to provide us the contact information of the actual property owner in order to proceed. Accounts with small property manager where we cannot reach the actual property owner will quickly be refunded. If you are not sure if your Property Manager qualifies, just give us a call and send us a chat, and we can definitely help you out!

How does this work?

To get a better understanding of what Rental Kharma does and how it works, follow this link to watch a quick video and read more about the process! How It Works!

How long does it take for my rent to show up on my credit report?

We submit rent data to TransUnion twice a week. We strive to be as fast as possible and most renters’ rental payments are added to their credit report in under 7 days after our initial upload. The entire Rental Kharma process can be completed in as little as 2 weeks to about 30 days. In certain cases, it can take over 30 days for rent payments to appear on your credit report. The timeline for when your rent payments appear on your report is decided by the credit bureaus.

How will rent appear on my credit report?

Rent will be counted as an open trade line on your credit report. The name of the account will either be "Rental Kharma/Residence" or "RK/Residence" depending on where you check your credit report!

Does my landlord need to participate?

Yes, your landlord or property manager must verify your rent payments each month. It’s free and easy for your landlord or property manager to verify your rental payments.

How do I verify my rent?
We reach out and verify your rent payments with your landlord or property manager each month.

Aren’t rent payments already on my credit report?

No. This is a common misunderstanding. In the past, only late rent payments, usually from eviction or a lease skip-out, have been reported on credit reports.

What if I split rent?

It’s totally fine if you split rent! If you split rent with a roommate, you both will receive credit for the full rental amount because signing a lease means you are responsible for the full amount no matter what!

What if I have a spouse?

We have a spouse option during the registration process. You can easily add your spouse to your account.

Where do I pay my rent?

You pay your rent in the same manner you currently do. We try to make our process as easy as possible for our renters, landlords and property managers! No change to your payment method is required!

What if I sublease?

That’s fine as long as the owner or property manager of your apartment building verifies your rent payments. We cannot verify with the person you are subleasing from. Due to rules and regulations set by the Credit Bureau, we do have to speak with the property owners or property managers.

Why can’t I report rent to the credit bureaus myself?

A renter cannot self-report his or her rent payment history. A neutral, third party verification service is required to submit rent payments to the credit bureaus.

Can I report a commercial rental or mixed use space?

Unfortunately, we cannot report commercial rental properties or mixed use space. Rental Kharma can only verify primary residential rental addresses. At the moment, there is no service to report commercial rental properties to your credit report.

Can I report this to my EIN or CPN?

No, we cannot report your residential rental history to an EIN or a CPN. We can only report to your social security number. Rental Kharma does not tolerate the attempted use of a CPN. Read more about our policy on CPNs here.

How do I cancel my membership?
You can cancel at any time by visiting

I have a question and want to speak to someone.

The best way to communicate with us is by using our online chat. Please supply your name, email or phone number so we can look up your account and best assist you. You can also give us a call at 720-307-1466.

If you have any further questions or difficulties, 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. If we are not available or in the office, please leave us just one voicemail so we can get back to you!

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