Rent Reporting Services To Build Credit Fast For Tenants: Process Streamlined

The Cookeville-based rent reporting provider has enhanced its rent reporting service to streamline how rental payments are converted into recognized credit history with major credit bureaus.

More details can be found at https://www.rentalkharma.com/learn

The Rental Kharma platform verifies rental payments directly with landlords and transmits this information to TransUnion and Equifax, with participants not required to change existing payment methods or link bank accounts. The system supports both prior rental history at current addresses and ongoing monthly reporting.

Credit scores influence roughly 90% of lending decisions in the United States. Average FICO scores declined by two points in 2025 to 715, marking the steepest drop since 2009. Younger borrowers continue to face difficulties, with Gen Z scores falling to an average of 676 due to factors such as student loan obligations, missed payments, and inflation-driven financial strain.

Rent payments represent one of the largest recurring expenses for U.S. households, yet they have historically been excluded from traditional credit evaluations. Rental Kharma’s reporting process enables these payments to be recognized as part of a renter’s credit record. Members typically see an initial increase of about 40 points, followed by incremental monthly gains averaging five points. The service also entails one-on-one credit mentoring and access to educational materials.

“Rent adds payment history and age to your credit report,” a company representative said. “We offer a streamlined process for both renters and landlords, with no credit check and the option to cancel at any time.”

The service includes optional expedited processing and reduced rates for spouses and roommates who enroll together. By converting verified rent payments into reportable credit data, the platform supports renters seeking to build or strengthen credit profiles without adjusting their existing payment routines.

About Rental Kharma

Rental Kharma is a rent reporting provider located at 225 South Jefferson Avenue in Cookeville, Tennessee. The company has served 85,000 members over 12 years and reports rental data to TransUnion and Equifax.

A mortgage broker with more than 40 years of industry experience stated, “I have finally found a company that truly changes lives. I had a borrower with a 680 credit score who needed a 720 to save almost 50 basis points on a $700,000 loan. His score increased to 725 in two weeks, saving him nearly $84,000 over the life of the loan.”

For additional information, visit https://www.rentalkharma.com

Rental Kharma
[email protected]
+1 931 500 1482
225 South Jefferson Avenue
Cookeville
TN
38501
United States