Get credit ready for life.
We add the rent and utility bills you already pay to your credit report, so your on-time payments finally show up where lenders look.
Three steps from paid to reported.
You’ve paid rent and bills on time for years. None of it counts until it’s on your report. Here’s how we change that.
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1
Tell us what you pay
Your rent, or a phone, electric, gas or water bill. Whichever you want reported.
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2
We verify it
Directly with your landlord or property manager, or through your utility provider. No bank login needed.
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3
It’s on your report in 3 to 10 days
Your full payment history, not just new months. Rent goes to TransUnion and Equifax, utilities to TransUnion.
Experian does not accept past rent and utility bills.
You don’t need all three. Car lenders and credit card companies usually pull from just one bureau. Before you apply, ask which one they use, then shop for a lender that checks your best score.
Mortgage lenders pull all three and use your middle score. Raising two of the three can lift that middle score, which is the one that counts.
Two ways to build, one simple price each.
Cancel anytime, and every plan is covered by our 90-day money-back guarantee.
Get credit for every rent payment you’ve made
Two renters: $100, then $13.95/mo
- Your past rent history at your current address, not just new payments
- Rent paid to a landlord, property manager or family member
- No bank account connection
Turn the bills you already pay into credit history
$25 enrollment per utility bill · cancel anytime
- Phone, electric, gas and water
- Works for renters and homeowners
- Report up to four bills
My credit got bad after a divorce… so I signed up. Was the best thing I did. I started to see my score go up. Now my score much higher and I was able to buy my first house.
A real person in your corner, trained by our founder.
Members get unlimited 1-on-1 access to credit mentors personally trained by Cullen Canazares, who founded Rental Kharma. In many cases, Cullen mentors members himself.
And it’s free to learn the rest in our Driver’s Ed for Credit lessons, written in plain English with nothing to sell you.
Cullen Canazares, co-founder and CEO
What changes when your payments count.
Before Rental Kharma
- Declined, because your bills don’t count
- Predatory lenders are the only ones saying yes
- Stuck in a financial trap
- Nowhere to turn for good direction
With Rental Kharma
- Lenders finally see your on-time payments
- Approvals at fair credit-union rates
- Unlimited 1-on-1 help from expert mentors
- Free credit education, and a lot less stress
How it compares.
Most ways to build credit add something new to your file, like a new account or a spot on someone else’s card. We add the payments you’ve already made.
| Question | Rental Kharma | Credit builder apps | Authorized user tradelines |
|---|---|---|---|
| What goes on your report | Payments you’ve already made, including past history | A brand-new account | Someone else’s account |
| Cost to start | $75 enrollment | A 15% fixed fee to hold your own money | $500 to $1,500 set-up fee |
| First effect on your score | Shows up in 3 to 10 days | New-account penalty of 15 to 30 points | A temporary increase |
| Built to last | Yes. It’s your own payment record | Gains disappear when the account closes | Not meant for long-term building |
Yes, for 90 days. If we can’t confirm your identity or address history, or your landlord won’t help verify your rent, we refund your enrollment fee and any monthly fees you’ve paid. Not happy with your score increase? We’ll do a free review with a credit expert to find out why. See what’s covered
We never report a late payment. If a payment becomes late, we close the reporting account instead of sending negative history to the bureaus. Why late payments hurt so much
Yes, and it only takes about 5 minutes. About 95% of landlords help, and if yours won’t, the guarantee refunds you. How we verify
No. Credit repair tries to dispute or remove negative items. We don’t touch what’s already on your report. We add the rent and utility payments you’ve already made, verified and reported to the bureaus.
Not sure where to start?
Take the 2-minute Credit Ready Checkup. You’ll get a short road map built around your goal.