• No credit, No problem! We've got you covered!
  • You are not alone - 20% of Americans don't have a credit score
  • Add your past rental history for a big boost!
  • Go from ZERO to 640-700+ in 3-10 days
  • No credit, No problem! We've got you covered!
  • You are not alone - 20% of Americans don't have a credit score
  • Add your past rental history for a big boost!
  • Go from ZERO to 640-700+ in 3-10 days

No credit score?

You’re not behind — you’re just getting started.
  • You are not alone► 20% of Americans does not have a credit score
  • Report all of your past rent & utility bills to your credit report
  • Go from No Credit Score to 640-700+
  • Results in just 3-10 Days
  • 90 Day Money Back Guarantee
  • No Credit Check
  • Cancel Anytime

Member Reviews

From No Score to Good Score

Utility Bill Reporting

A screenshot showing RK Utilities added to a report with 17.5 years and 14.75 years of account age
  • Report ALL past payments for your utility bills
  • Phone, Electric, Gas & Water
  • Turn your utility payments into credit history
  • No bank account connection required
  • Great for renters and homeowners!
Build My Credit Score With Utility Bills

Rent Reporting

  • Report ALL of your payments for your current rental
  • Rent from family, landlords or property managers
  • Rent helps with mortgage approvals
  • No bank account connection required
  • Updates on your TransUnion and Equifax in days!
Build My Credit Score With Rent

Life Before
Rental Kharma

  • Getting declined because you had no score► Because you chose not to have debt!
  • Buying a home was impossible with no score
  • Landlords wanted large deposits with no score
  • Predatory car loans were your only choice ► No Credit No Problem
  • Stuck in a financial trap
  • No one to turn to for good directions
  • Stressed not knowing what to do

Life With
Rental Kharma

✅ “90-Day Money-Back Guarantee”
⭐ “Rated 4.8/5 on Trustpilot”
🔒  “Secure & Private”

Helping 125,000+ families build better credit.

Since 2012

Helping families reach their goals faster

Based on members who added 2 years of payment history
from just one bill reported
More History = More Points!
Average Point Increase By Score Range
Video: How to build your first credit score fast

Enrollment Options

One Renter

$75 Enrollment fee
$8.95/mo • Cancel anytime

Two Renters

$100 Enrollment fee
$13.95/mo • Cancel anytime
You're already paying rent. Make it work for you. Get started!