Helping families get credit for the payments they already make.
Founded in 2012, Rental Kharma has helped more than 135,000 families build the credit history they’ve already earned, by reporting the rent and utility payments they were making anyway.

Why we started.
One in four Americans don’t have enough credit history to generate a credit score. Over 100 million Americans struggle with their credit and are denied access to traditional, non-predatory financial products.
Rental Kharma was founded to change that, with a sustainable, simple way for renters to establish and build credit history through their largest monthly payment: rent. We’re passionate about helping renters get the credit they deserve.
Our founder, Cullen Canazares, personally trains our credit mentoring team, and in many cases mentors members himself.
Founded and run by people you can call.
Behind them is a team of credit mentors and member support staff in Cookeville, Tennessee.
Meet the whole teamWe’re not hiring right now, but check back soon.
Get in touch.
Real people answer the phone. Call, email or stop by.
- Phone
- 931-500-7720
- Hours
- Monday to Friday
8 AM to 5 PM CST - Office
- 225 S Jefferson Ave
Cookeville, TN 38501