The Fastest Way to Credit-Ready. Results in 3–10 Days.

Stop waiting months for your score to catch up. We verify and report your entire rental history at your current address—with no 2-year caps and no bank-linking required. Get the credit you’ve already earned.

Member Reviews

Real members. Real results.

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

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

Check Eligibility

Find out in seconds!
 

Watch Our 60-Second Explainer Video

Common Questions

Is there a guarantee?

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

What if I pay late?

It depends —  as long as your rent is paid within 30 days of the due date, your rent can be 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. 

Can I cancel?

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! 

You're already paying rent. Make it work for you. Get started!
100,000+ members
have reported their rental payments with Rental Kharma.
#1 Rent reporting service since 2012!

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

Report your rent back to the move in date for your current rental.

One Renter

$75 Enrollment fee
$8.95/mo • Cancel anytime

Two Renters

$100 Enrollment fee
$13.95/mo • Cancel anytime
You're already paying rent. Make it work for you. Get started!