• The wait is finally over! Add utilities to your credit! Report your current rent to TransUnion and Equifax, and up to four utilities with TransUnion!
  • Do you rent from your family? Turn your payments into credit history!
  • The wait is finally over! Add utilities to your credit! Report your current rent to TransUnion and Equifax, and up to four utilities with TransUnion!
  • Do you rent from your family? Turn your payments into credit history!

The Fastest Way to Credit-Ready. Results in Days!

Stop waiting months for your score to catch up.
We can add your rent and your utilities to your credit report — with no 2-year caps and no bank-linking required.
Get the credit you’ve already earned.

Build Credit with Your Rent & Utilities

Turn your monthly bills into credit-building power!
  • Report ALL of your payments for your current rental
  • Rent from family members, landlords or property management companies
  • No bank account connection required
  • Updates on your TransUnion and Equifax in days!
Enroll in Rent Reporting
New! Utility Reporting
  • Turn your utility payments into credit history
  • Power, Gas, Water & Phone
  • Accounts are backdated to the account open date
  • No bank account connection required
  • Great for renters and homeowners!
Learn More About Utility Reporting

Real members. Real results.

Average points increase
based on members who added 2 years of rental history.
More History = More Points!
 

Join us for a free credit workshop! Have credit questions? You'll get answers! Workshops are available every weekday! Click here to see our schedule and join!
100,000+ members
have reported their rental payments with Rental Kharma since 2012!

Life Before
Rental Kharma

  • Getting declined because your rent “doesn’t count”
  • Predatory lenders are your only choice
  • Stuck in a financial trap
  • No one to turn to for good directions
  • Constant stress

Life With
Rental Kharma

Member Reviews

Common Questions

about reporting your rent with Rental Kharma

Is there a guarantee?

Yes — your membership comes with a 90-day money back guarantee

What if I pay late?

As long as your rent is paid within 30 days of the due date, your rent is reported as on time!

Does this cause a hard inquiry?

No — we are simply adding the information to your credit report. We do not have access to your credit score or credit report information. 

Cancellations

Yes — you can cancel at anytime!
The account would close on your credit report, and the information will stay visible for 7 years. 

Does my landlord need to participate?

Yes — but luckily our process is easy, simple and private.
The rental verification process takes only 5 minutes! 

Compare The Value

Secured
Credit Cards

  • $200-300 deposit
  • Initial credit score decrease
  • High Interest Rates

Authorized User
Tradelines

  • $500-1500 set up fee
  • Temporary score increase
  • Not for long term credit building

Rental Kharma

  • The Credit Time MachineAdd unlimited history at your current address fast!
  • 90-day money back guarantee
  • Results in 3-10 days
  • 1-on-1 Credit mentoring
  • Drivers Ed for Credit Community
  • Only $75 to report all past rent
  • Add a spouse or roommate for $25

Enrollment Options

Rent Reporting to TransUnion & Equifax

One Renter

$75 Enrollment fee
$8.95/mo • Cancel anytime

Two Renters

$100 Enrollment fee
$13.95/mo • Cancel anytime
Enroll in Rent Reporting
New! Utility Reporting

Utility Reporting to TransUnion

Report up to four utilities for one person
$25 enrollment per utility
$4.95-$19.95/mo • Cancel anytime
Learn More About Utility Reporting
Join us for a free credit workshop! Have credit questions? You'll get answers! Workshops are available every weekday! Click here to see our schedule and join!