Verifying a Rental Kharma tradeline.
A quick reference for confirming a rent or utility tradeline reported by Rental Kharma during underwriting.
The short version.
Payment history is verified before it is reported. It is never a self-reported figure.
- Where it’s reported
- Rent tradelines report to TransUnion and Equifax. Utility tradelines report to TransUnion only.
- How payments are verified
- Directly with the member’s landlord or property manager, or through an approved resident payment portal.
- Regulatory framework
- Reported under the Fair Credit Reporting Act (FCRA), the same framework that governs any other furnished tradeline.
Common questions.
Yes. Rental Kharma reports under the Fair Credit Reporting Act (FCRA), the same framework governing any other furnished tradeline.
Yes. Email support@rentalkharma.com and we’ll send the account information as a PDF letter, or fill out any verification form you provide. We respond within 1 to 2 business days.
Classic FICO does not read rent or utility tradelines. Whether a given scoring model or lender weighs this history is up to that lender’s own underwriting model.
Email support@rentalkharma.com or call 931-500-7720, Monday to Friday, 8 AM to 5 PM CST.