Rent Builds Good Credit

Add your past rent onto your credit report!

Results in Days

95% of renters can use Rental Kharma
  • A landlord friendly process
  • It does not matter how you pay your rentCash, Check, Venmo, Online etc
  • Reach your goals in weeks!
  • Report all past rent at current rental $75Ongoing reporting keeps boosting score $8.95 a month

We Get You Credit Ready

You learn how to stay ready so that life does not catch you by surprise!

Good Renters Deserve Good Credit

Why Choose Rental Kharma?

Passion, Dedication & Transparency

Other Rent Reporting Services

  • Not goal oriented
  • Many require access to your checking account
  • Limits on who can use service
  • Unproven business models
  • Frustrated reviews
  • Some require a lease
  • Lack of transparency
  • Limited guarantee

Why Rental Kharma

  • Goal focused
  • Your own dedicated credit expert
  • Available to 95% of Renters
  • 100,000 Families served
  • Transparent communication & coaching
  • No lease required
  • 10 years experience reporting rent
  • Easy for landlords

Are you frustrated?

The credit system is confusing and was never taught to us in school.

Worse Yet!

Predatory Lenders have invaded our towns and become an accepted part of our daily life. The average community in America has 1 predatory lender for every 700 residents. PayDay Loans, Check Cashing, Buy Here Pay Here Cars, Rental Furniture, Title Loans & Pawn Shops are located next to grocery stores and everyday places of business. We are conditioned to think this is normal.

Preventing Prosperity!

The sad truth is that NONE of these services HELP YOU build your credit score.

We are here to HELP!

Over 100 million Americans struggle with their credit and are denied access to traditional non-predatory financial products. Rental Kharma was founded to solve this huge problem and provide a sustainable and simple way for renters to establish and build credit history through their largest monthly payment, rent!

FAQ's

Landlord Verification

#1 Initial Verification ► Takes 5 Minutes with Your Landlord

The initial verification is simple, we need to speak with your landlord for 5 minutes. We do NOT NEED A COPY OF YOUR LEASE.

During that 5 minute call we will confirm with your landlord the following.
When you moved into the rental?

How much you pay in rent each month?

Have you ever been more than 30 days late with rent?

We will also complete a quick ID Quiz with your landlord to confirm they are the owner.

Tips for a Speedy Verification

► 3 Way calls with your landlord are the easiest and can be completed when you register over the phone.

► If we are not doing a 3 way call, we simply ask that you reach out to your landlord and let them know you are signing up for services with us. Ask them if they are willing to help you out! If you’re a great tenant who pays on time(NO 30 day late payments), most landlord’s will be happy to work with us! Let them know we will be calling from 720-307-1466.

► 10% of landlords own a property via a business called an LLC, when this is the case, we need to speak with the person responsible for creating the LLC and confirm your rent with them. When we speak with your landlord we will confirm with them a couple of data points about the ownership of the LLC before proceeding with verification. This is also a simple process and requires no paperwork as we do the research on our end before the call.

Online Option ► If your landlord is not available by phone, we do have an online process that they can complete, we send a secure email link that your landlord can complete at their convenience. This verification process ensures we are speaking to the right person. No sensitive information is required and the verification process feels kind of like a quick survey!

#2 Monthly Updates ► 30 Seconds a Month

Once a month we need to verify your rent payments with your landlord. It’s free and easy for your landlord to verify your rental payments. They can verify your rent on a monthly basis via text message, a phone call or an email.

What if my Landlord refuses?

If your landlord refuses to participate, or we are unable to verify your information, we do have a 100% Money Back Guarantee

Rent From Family Verification

Rental Kharma makes it easy for you to report your rent if you are renting from a family member.
Requirements for Family Rentals

#1 We need to ensure your family member is the property owner. If your family member is NOT the owner we are UNABLE to report your rent.

2# We also need to confirm you HAVE BEEN LIVING at the residence through one of our research tools.

Does my family member need to participate?
Yes ► Your family member DOES need to participate. The process is SUPER SIMPLE FOR THEM and NO PAPERWORK IS REQUIRED from them or you.
#1 Initial Verification ► Takes 5 Minutes with Your Family Member

The initial verification is simple, we need to speak with your family member for 5 minutes. There is NO PAPERWORK REQUIRED from you or your family member. We do NOT NEED A COPY OF YOUR LEASE.

During that 5 minute call we will confirm with your family member the following:
► When you moved into the rental?

► How much you pay in rent each month?

► Have you ever been more than 30 days late with rent?

► We will also complete a quick ID Quiz with your family member to confirm they are the owner.

Tips for a Speedy Verification

► 3 Way calls with your family member are the easiest and can be completed when you register over the phone.

► If we are not doing a 3 way call, we simply ask that you reach out to your family member and let them know you are signing up for Rental Kharma. Ask them if they are willing to help you out! If you’re a great tenant who pays on time(NO 30 day late payments), most people will be happy to work with us! Let them know we will be calling from 720-307-1466.

► 10% of landlords/family members own a property via a business called an LLC, when this is the case, we need to speak with the person responsible for creating the LLC and confirm your rent with them. When we speak with your family member we will confirm with them a couple of data points about the ownership of the LLC before proceeding with verification. This is also A SIMPLE PROCESS and requires NO PAPERWORK as we do the research on our end before the call.

Our Online Option Is not available in family member rentals to prevent possible fraud.

 

#2 Monthly Updates ► 30 Seconds a Month

Once a month we need to verify your rent payments with your family member. It’s free and easy for your family member to verify your rental payments. They can verify your rent on a monthly basis via text message, a phone call or an email.

What if my Family Member refuses?

If your family member refuses to participate, or we are unable to verify your information, we do have a 100% Money Back Guarantee.

Property Management Verification

It’s free and easy for your property manager to verify your rental payments.
Does My Property Management Company Qualify?

Rental Kharma works with property management companies that have over 50 units under management. If your manager has less than 50 units, we will need to speak with the actual property owner to verify your rent. View the Landlord Process!

Initial Verification

Option #1 If you pay your rent online via a rent payment portal, then we have a simple solution. We can remotely login to your portal and download the payment history.

Option #2 We can verify your rental history with your property managers by sending a Verification Of Rent form to them via email or fax. We can also do over the phone verification. We ask that you reach out to your property management company and let them know you are signing up for services with Rental Kharma. Ask them if they are willing to help you out! Let them know you are trying to add your rent payment history onto your credit report and that we will be giving them a call! The initial time required of your property manager is typically 5 minutes.

Monthly Updates

Option #1 If you pay rent trough a portal, we can expedite your monthly updates by keeping your portal login secured in our system and remotely downloading your statement each month.

Option #2 If we need to contact your property management company each month, They can verify your rent on a monthly basis via fax, a phone call or an email. Monthly updates take about one minute or less of your property manager’s time.

What if my property management company Refuses?

If your property management company refuses to participate, or we are unable to verify your information, we do have a 100% Money Back Guarantee.

Refunds & Cancellations

Credit Report Access

At no time during the the registration process or during your membership with Rental Khama will we do a hard inquiry on your credit report or have access to your full credit report. On rare occasions when we need to troubleshoot a possible reporting error for your rent reporting service, Rental Kharma does have access to systems at the credit bureaus to ensure that the information we submitted is accurate.

Cancellation Policy

A member can cancel their monthly rent verification subscription at any time! We have no contracts or cancellation fees!

Refund Policy

Satisfaction Guarantee

  • A member is eligible to receive a full refund for the verification fee if we are unable to verify their rental payment history. 

  • A member is eligible to receive a full refund for the verification fee if you are not happy with your results. 

  • ALL Refund Requests must be made within 90 days of our first reporting your rent to the credit bureau(s). Refund requests made after the 90 days will not be processed. 

How to request a refund 

  • Simply call 720-307-1466 Ext 4

  • Refunds are processed within 1-3 business days of the request. 

  • It can take 7-10 days for a refund to show up on your bank or credit card account.

NO REFUNDS IF:
If you attempt to provide false information to our company.

If you attempted to report a private mortgage. 

If you attempted to report an illegal sublease.

If you attempted to report a commercial property.

Refunds for accounts that have Moved Out or Go Non-Responsive
  • We depend on the help of our members to run smoothly. 

  • If you move out, please let us know as soon as you can. 

  • We understand that life can get busy and that things slip through the cracks, which is why we will do our part by continuously contacting your property manager or landlord to stay up to date as best we can. 

  • If we have a non-responsive account for 3 months or under, we will reach out to our member to see if you have moved or need to cancel ongoing services, no monthly fees will be reimbursed.

  • For those rare cases when we have non-responsive accounts for 4 months or over, we will offer to add a new lease free of charge or a reimbursement of up to 3 months of your monthly fee.

Which Credit Bureaus Report Rent?

Rental Kharma reports your rental payment history to the primary credit bureaus TransUnion & Equifax!
The 3 Bureau Myth
Most people believe that their account data needs to be reported to all credit bureaus. Who wants 3 credit scores anyhow? This stuff is already confusing enough. Not all companies can report to all credit bureaus for various reasons. And only home lenders use all 3 reports for approving a loan. Car lenders only pull 1 credit report and it varies which report they use. 
​The reality!
When mortgage lenders pull your credit reports they combine all the data into one report. When their software sees duplicate information, the system simply ignores the duplicates and continues on with the underwriting process.

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. 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 software and ALL duplicate data is disregarded. So if you have your rent on one bureau, that is all you need to keep you moving towards success.
 
For Example:
If you have a car loan for $30,000 reporting on all 3 credit reports, the underwriting software will compare account numbers to make sure you do not own 3 cars and have 3 accounts with $90,000 in debt on each. It recognizes they are the same and simply ignores the duplicates.
TransUnion
TransUnion was the first credit bureau that adopted a 3rd party verification process to report your rent without you having to change the way you pay your rent. They started reporting back in 2014.

​Equifax
Equifax was the second credit bureau that adopted a 3rd party verification process to report your rent without you having to change the way you pay your rent. They started reporting back in April 2021.
Facebook Reviews
Trust Pilot Reviews

Rental Kharma, Inc
225 South Jefferson Ave
Cookeville, TN 38501

Phone 720-307-1466
Fax 720-368-5060
support@rentalkharma.com