Today we will be using Credit Sesame to look at our credit report and find our rental history!
Please note, if you have not gone through the Rental Kharma program, this guide does not apply for you, as rental history is not automatically included in your credit report unless you go through a 3rd party program.
First, log in to your free account, or create a new account using Credit Sesame. Although Credit Sesame is a free service, you cannot see your full credit report and all your accounts without a paid membership. You might want to use another free service like Credit Karma. Today, I will be using my free account to see as much as I am allowed without a paid membership. Again, Credit Sesame will not display your rental history in an accurate way, so please find an alternative service.
If you need to create an account, click on the orange button that says "Get Started - 100% Free" or the little yellow button in the top right-hand corner that says "Sign Up!". Please keep in mind that although this is a free service, your full score and all your accounts will not be displayed unless you have a paid membership. If you do not have a paid membership, you can still check if Rental Kharma has been posted, but it will not let you see everything.
Once you have logged in, you will see your home screen with your credit score!
If I click on "Credit Report" underneath my credit score, it takes me to a page where I am required to purchase a package! I do not want to do that today. I would like to see if Rental Kharma has been added.
Let's keep digging. I am going to click back on the "Credit Sesame" home icon or click back. The logo looks like this image below.
Let's try going to "My Finances" and selecting the "My Credit" option. Click on "My Credit" to see some account details for your credit report.
The "My Credit" page will have several tabs that show you a few tabs with Payment History, Credit Usage, Credit Age, Account Mix, and Credit Inquiries.
Let's click on "Account Mix." 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." In the image below, you will see that there is 1 open credit card, 1 student loan, and 1 other loan.
Rental Kharma is posted as an open trade line like an American Express card, and shows up as an "Other Loan" or "Other Account." With my free account, I can see that there is ONE "Other Loan" on my credit report. However, if I click on it to view the details, it does not show me any actual information about my rental history.
The image above actually makes it look like I do not have any other loans, even though I can see Rental Kharma on many other credit monitoring services. If I do some basic math and subtract my monthly payments of $109 for Credit Cards and $50 for Student Loans, the remaining balance I have for my Monthly Income Going to Debt Payments, the remaining balance is $1769, which happens to be my monthly rent amount. This might be a difficult task if you have more than one credit card and more than one student loan. This is why we recommend other services, like Credit Karma.
This method of checking my Rental Kharma data on my credit report is not effective for me personally, but it can be done. If you do have a paid account, you will probably see a lot more information than was shown in this guide.
We do have several other options and visual guides for you to check your credit score. You can find the full list here.
If you still have any questions, comments or concerns, please send us an email, an online chat message or give us a phone call at 720-307-1466.