Effective Date: 11/18/2025
Provider: Rental Kharma, Inc.
1. Overview of This Service
These Terms & Conditions explain how Rental Kharma provides payment reporting services to you (“you” or “member”). By signing up, you give Rental Kharma permission to collect and share information about certain payments you make, such as utilities and other eligible bills, with TransUnion.
Our goal is to help you build and improve your credit profile by reporting verified payment data.
2. What Rental Kharma Does
Rental Kharma is a third-party data furnisher. That means:
We collect your payment information from the sources you authorize.
We verify the accuracy of that information.
We furnish (send) the information to TransUnion, one of the major credit bureaus.
TransUnion may include this information in your credit file according to their policies.
We do not create your credit report, make credit decisions, or guarantee any specific score change.
3. Your Authorization & Consent
By enrolling in this service, you:
Give Rental Kharma permission to collect, verify, store, and share your payment data with TransUnion.
Confirm that the information you provide is true, accurate, and complete.
Authorize us to communicate with your landlord, utility provider, or other billers as needed to verify your payment history.
Understand that reporting is subject to TransUnion’s acceptance and policies.
You may revoke this authorization at any time by contacting us, but any data previously reported may remain in your credit file as part of your credit history.
4. What We Report
We may report:
On-time payments
Past-due payments
Missed payments
Start and end dates for accounts
Other relevant account information permitted under credit reporting guidelines
We will never report anything you did not authorize us to verify and furnish.
5. Your Responsibilities
To use our service, you agree to:
Provide accurate personal and account information
Update us if your address, payment source, or provider changes
Pay any applicable service fees
Respond to verification inquiries when needed
If you give incorrect or incomplete information, we may be unable to report your payments.
6. Accuracy & Disputes
We take accuracy seriously. If you believe we reported something incorrectly:
Contact us at: [email protected]
We will investigate the issue as required under the Fair Credit Reporting Act (FCRA).
If an error is confirmed, we will promptly correct or update the information with TransUnion.
You may also dispute information directly with TransUnion.
7. No Guaranteed Outcomes
While many members see positive results from payment reporting, you understand and agree that:
Rental Kharma cannot guarantee an increase in your credit score
TransUnion and lenders may use your information differently
Credit score impact varies based on your full credit profile
8. Service Fees
Any fees charged for this service are for:
Verification of your payment information
Data furnishing to TransUnion
Customer support and account management
All fees will be clearly disclosed before enrollment.
9. Privacy & Data Protection
We protect your data using industry-standard security practices. Your information is only shared with TransUnion or third-party service partners who support verification and reporting. We do not sell your personal or financial information.
Please review our full Privacy Policy for more details.
10. Cancellation
You may cancel your service at any time by contacting us. Once canceled:
We will stop furnishing new data
The account(s) will close on your credit reports
Previously reported information may remain in your credit history according to standard reporting rules.
11. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will notify you before they take effect. Continued use of the service means you agree to the updated Terms.
12. Contact Us
If you have questions about these Terms or your service:
Rental Kharma, Inc.
Email: [email protected]
Phone: 720-307-1466
Website: www.rentalkharma.com