Straight answers.

No. Credit repair disputes or hides negative items already on your file. We add real payment history you have already earned — rent and utility payments you made, verified and reported as new, permanent data.

We don't report to Experian, including Experian Boost. Here's what we do deliver: rent reports to TransUnion and Equifax, and utility payments report to TransUnion — so your history is visible wherever a lender or scoring model reads those bureaus.

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

Rent, plus water, gas, electric, and phone (cell or landline) bills. Internet service is not reportable.

Rent reports to TransUnion and Equifax. Utility bills report to TransUnion.

Typically 3–10 days.

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

That depends on the individual lender's own underwriting model. We report rent to TransUnion and Equifax, and utility payments to TransUnion, following FCRA rules — whether a specific lender's process weighs that history is up to them.

Point them to our underwriter reference page, which covers how to verify a Rental Kharma tradeline.

We never see or store your banking credentials. We only confirm that a payment occurred, either directly with your landlord or property manager, or through an approved resident payment portal.

We verify your rent directly with your landlord or property manager, or through an approved resident payment portal — never by connecting to your bank account.

We retain and manage your data according to FCRA recordkeeping requirements; data isn't deleted outside of what FCRA allows.

Your reported payment history stays on your credit file for up to 7 years, per standard FCRA rules — it simply stops updating with new payments. If you cancel and request a refund under the 90-Day Guarantee instead, we remove the account from your credit report entirely.

Fill out the cancellation form on our website, or contact our member support team by email (support@rentalkharma.com) or phone (931-500-7720).

You’re covered by our 90-day money-back guarantee. 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. See what’s covered