- Mortgage Readiness Solution
Turn Years of On-Time Rent Into Mortgage-Ready Credit
Backdate your rental history up to 24 months to instantly boost your FICO® Score. The fastest, most reliable path to mortgage approval doesn’t require a new loan—it uses the bills you already pay.
No Hard Credit Check
No Bank Account Linking
TransUnion & Equifax Reporting
Uncapped Historical Lookback
Discount Code: keyes123 — saves you $10 on rent reporting setup
How Rent Reporting Builds Mortgage FICO
Understanding the impact on your credit score factors.
35%
Payment History
Adding a 24-month flawless tradeline thickens your positive payment file.
15%
Length of History
Backdating increases your “Average Age of Accounts,” a critical metric for lenders.
10%
Credit Mix
Adds an installment-like open account, diversifying your credit profile without new debt.
Tri-Merge Mortgage Underwriting Alignment
Unlike basic credit cards, verified rental tradelines are highly respected by Fannie Mae, Freddie Mac, and FHA automated underwriting systems (AUS). Rental Kharma reports directly to TransUnion and Equifax—the bureaus most frequently pulled for the critical middle FICO score used in mortgage decisions.
Why Rental Kharma Outperforms Generic Apps
Feature
Generic Open-Banking Apps
Rental Kharma (Pro-Mortgage)
Data Verification
Plaid/Bank Login (Prone to connection drops
Direct Landlord Verification (Gold Standard)
Lookback Period
Often limited to 6-12 month
Up to 24 Months Instantly
Spouse/Roommate
Usually requires separate, full-price account
Can add secondary applicant easily
Customer Support
Chatbot / Email onl
US-Based Phone Support
Credit Time Machine
Add up to 2 years of history instantly.
Universal Verification
Works with any landlord or property manager.
4 Simple Steps to Your Rental Credit Boost
1
Enroll
Sign up in minutes with basic lease details.
2
Verification
Rental Kharma securely verifies your history with your landlord.
3
Reporting
Your positive history is sent to TransUnion and Equifax.
4
Results
See the impact on your score and prepare for mortgage approval.
Risk-Free Assurance & Compliance
FCRA Compliant
100% compliant with the Fair Credit Reporting Act.
Frequently Asked Questions
Will enrolling in Rental Kharma hurt my credit score?
No. Enrolling in Rental Kharma does not require a hard credit inquiry or pull. It has zero negative impact on your existing credit score.
Which credit bureaus receive my rental payment history?
Rental Kharma reports rental tradelines directly to TransUnion and Equifax. Utility tradelines are reported directly to TransUnion. Because mortgage lenders evaluate tri-merge reports across all three bureaus, updating TransUnion and Equifax directly impacts your qualifying middle score.
What if I pay rent in cash, physical check, or Zelle?
You are 100% eligible. Because Rental Kharma verifies history directly with your landlord or property manager rather than scraping bank accounts, all payment methods — cash, check, money order, cashier’s check, property portal, Venmo, CashApp, or Zelle — are fully supported.
How long does it take for rent reporting to show up on my credit report?
Once your landlord completes the 5-minute verification, payment data is formatted and transmitted. Tradelines typically post to your TransUnion and Equifax credit files within 3 to 10 business days (or faster with Expedited Processing).
Ready to Boost Your Mortgage Readiness?
Start building your credit history today with the bills you already pay.
Discount Code: keyes123 — saves you $10 on rent reporting setup
Disclaimer: Credit score increases are not guaranteed and vary by individual credit profile. Path to Keyes, LLC and Rental Kharma are not credit repair organizations. We provide reporting services in compliance with the Fair Credit Reporting Act (FCRA).